Privacy Policy

YPN Inc. ("YPNUS," "we," "us," or "our") operates the website ypnus.com and the YPNUS AI mortgage marketing platform. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you use our services.

1. Information We Collect

Information you provide directly: Name, email address, phone number, NMLS number, company name, payment information, and any content you input into platform tools (e.g., SEO page generator inputs, chatbot configuration).

Information collected automatically: IP address, browser type, operating system, pages visited, time spent on pages, referring URLs, and other usage data collected via cookies and Google Analytics 4 (GA4).

Information from third parties: Payment processors (Stripe), email marketing services (ConvertKit), and authentication providers may share limited data with us to operate the platform.

2. How We Use Your Information

• To provide, operate, and improve the YPNUS platform and services
• To process payments and manage subscriptions
• To communicate with you about your account, updates, and support
• To send marketing emails (you may unsubscribe at any time)
• To analyze usage and improve platform performance
• To comply with legal obligations and protect against fraud

We do not sell your personal information to third parties. We do not use your data to train AI models without explicit consent.

3. Cookies and Tracking

We use cookies and similar tracking technologies including:

• Essential cookies: Required for platform operation, authentication, and security.
• Analytics cookies: Google Analytics 4 (GA4) collects anonymized usage data to help us improve the platform.
• Marketing cookies: Used to measure campaign effectiveness. You can opt out via browser settings or the Google Analytics Opt-Out browser add-on.

4. Data Sharing and Disclosure

We share your information only in these circumstances:

• Service providers: Stripe (payments), ConvertKit (email), Anthropic API (AI features), Hostinger (hosting). These providers are contractually bound to protect your data.
• Legal requirements: When required by law, court order, or government authority.
• Business transfers: In connection with a merger, acquisition, or sale of assets.
• With your consent: Any other sharing requires your explicit permission.

5. Your Rights (CCPA / GDPR)

Depending on your location, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your personal data
• Opt out of marketing communications at any time
• Lodge a complaint with your local data protection authority

To exercise these rights, email privacy@ypnus.com. We will respond within 30 days.

6. Data Security

We implement industry-standard security measures including HTTPS/TLS encryption, access controls, and regular security reviews. No method of transmission over the Internet is 100% secure. We will notify you promptly in the event of a data breach affecting your personal information.

7. Data Retention

We retain your personal data for as long as your account is active or as needed to provide services. You may request deletion of your account and data at any time. Some data may be retained as required by law or for legitimate business purposes.

8. Children's Privacy

YPNUS is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by email or by posting a prominent notice on ypnus.com. Your continued use of YPNUS after changes become effective constitutes acceptance.

10. Contact Us

YPN Inc. · 247 N L Street · Dinuba, CA 93618
Email: privacy@ypnus.com
Website: ypnus.com/contact