Borrower Privacy Policy
Last updated September 20, 20261. About this policy
Viato provides the technology used for this mortgage application and borrower portal. This policy describes how Viato handles information when you use these services. Your loan officer and mortgage company separately determine how they use your information to process your loan. Their privacy notices also apply and are available from them or through the company links in this application.
2. Information collected
The application may collect your name, contact details, account information, addresses, property and loan details, Social Security number, date of birth, financial and employment information, declarations, and documents you provide. The information requested depends on your application type and your mortgage company’s requirements. We also process invitations, acknowledgment records, application progress, and technical information such as browser, device, security logs, and session cookies.
3. How information is used
We process information to operate your account, save and resume your application, deliver it to your mortgage company, manage document requests, support authorized co-borrower collaboration, send account and application messages, provide assistance, and protect the service against fraud and unauthorized access. Viato does not sell your personal information or use your mortgage application to market unrelated services to you.
4. Access and sharing
Your application is made available to your mortgage company and its authorized personnel. The primary applicant can view and complete information and provide documents for co-borrowers in the application. Invited borrowers receive access appropriate to their invitation. Invite only people you intend to include, and provide another person’s information only with their permission. Service providers receive information needed to deliver hosting, authentication, storage, email, and other application functions. Information may also be disclosed when required by law or necessary to protect rights and safety. A business transfer may involve transferring service records subject to applicable privacy obligations.
5. Security and account access
We use authenticated access controls, encrypted connections, protected document storage, and security checks to help protect your information. No online service can guarantee absolute security. Keep your password private, use your own account, and contact us promptly if you believe your account has been compromised.
6. Cookies
Session cookies and related storage help keep you signed in, protect your account, and maintain application functionality. Blocking these may prevent sign-in or saving. These application functions do not require you to subscribe to marketing communications.
7. Retention and documents
Application information and uploaded documents may need to be retained by your mortgage company for processing, recordkeeping, and legal obligations. Uploaded documents cannot be removed through this portal. Contact your loan officer to correct a submission or discuss retention and deletion. Account closure or a deletion request does not automatically remove records that must be retained.
8. Your choices and requests
You can correct application answers where editing is available. Contact your mortgage company for access, corrections, copies, or deletion of loan records, and contact privacy@viato.ai for questions about Viato’s processing or your account. Depending on applicable law, you may have additional privacy rights, including rights to access, correct, or delete personal information and receive nondiscriminatory treatment for exercising them. Requests may require identity verification and may be subject to retention requirements.
9. Location and age
This service supports United States mortgage applications. Information may be processed in the United States. The borrower portal is intended for adults; it is not directed to children.
10. Updates and contact
We will post changes here and update the date above. For privacy assistance, email privacy@viato.ai. For help with your loan application, contact your loan officer.