PRIVACY POLICY
aiHELOC.com Mortgage Loan Originator: Reza Tak, J.D. | NMLS #1114078 aiHELOC.com is a domain name owned by Reza Tak and used for mortgage-related marketing, advertising, informational, and consumer inquiry purposes. aiHELOC.com is not a separately licensed mortgage broker, lender, creditor, or mortgage company. Mortgage loan origination services advertised or described through aiHELOC.com are provided by Reza Tak, Mortgage Loan Originator, NMLS #1114078, through licensed mortgage companies with which Reza Tak is properly affiliated and/or sponsored. For purposes of this Privacy Policy, references to “aiHELOC.com,” “we,” “us,” or “our” refer to the website and its operation by Reza Tak, unless otherwise indicated. We respect your privacy and are committed to protecting the personal information you provide through aiHELOC.com and related communications.
1. Information We Collect
We may collect information that you voluntarily provide through our website, forms, chatbot, email, telephone communications, or other communication methods, including:
Name
Phone number
Email address
Property information
Loan amount and loan-related information
Information submitted through eligibility, prequalification, application, contact, or inquiry forms
Financial or other information you choose to provide in connection with a mortgage inquiry
Other information you voluntarily provide
We may also automatically collect certain information when you visit our website, including IP address, browser type, device information, referring pages, website activity, and other website usage information.
2. How We Use Your Information
We may use information we collect to:
Respond to your inquiries and requests;
Provide information about mortgage products and services;
Evaluate or assist in evaluating potential eligibility for mortgage programs;
Process and facilitate mortgage inquiries, eligibility requests, prequalification requests, and applications;
Communicate with you regarding your inquiry or requested services;
Refer or transfer your mortgage inquiry and information to an applicable licensed mortgage company with which Reza Tak is properly affiliated and/or sponsored;
Facilitate the evaluation, arrangement, processing, origination, funding, and/or closing of a mortgage transaction;
Provide customer support;
Send communications you have requested or authorized;
Operate, maintain, secure, and improve our website and services; and
Comply with applicable laws, regulations, legal processes, and regulatory requirements.
3. Mortgage Company Referral and Transfer
Mortgage loan origination services advertised or described through aiHELOC.com are provided through licensed mortgage companies with which Reza Tak, NMLS #1114078, is properly affiliated and/or sponsored.
Your mortgage inquiry, eligibility request, prequalification request, application, and information you provide may be referred or transferred to an applicable licensed mortgage company for purposes of evaluating, arranging, processing, originating, funding, and/or closing your requested mortgage transaction.
Depending upon the loan program and transaction, the applicable licensed mortgage company may act as the mortgage broker, lender, creditor, loan originator, processor, and/or funding or closing entity.
The applicable mortgage company and its licensing and NMLS information will be identified to you in connection with the applicable loan transaction and as required by law.
4. Sharing of Information
We do not sell or rent your personal information for unrelated third-party marketing purposes.
We may disclose or share personal information when reasonably necessary to respond to your mortgage request or provide the services you request, including with:
Licensed mortgage companies with which Reza Tak is properly affiliated and/or sponsored;
Lenders, creditors, investors, mortgage brokers, mortgage loan originators, processors, underwriters, and other parties involved in evaluating or handling your mortgage transaction;
Credit reporting agencies and providers of credit-related services where authorized or otherwise permitted by law;
Appraisal, valuation, title, escrow, settlement, insurance, verification, technology, communication, and other service providers involved in or supporting a mortgage transaction;
Website, hosting, communications, customer-service, technology, security, analytics, and other service providers that assist us in operating the website and related services; and
Governmental, regulatory, law-enforcement, judicial, or other parties when disclosure is required or permitted by applicable law.
Personal information shared in connection with a mortgage transaction may also be subject to privacy notices provided by the applicable licensed mortgage company, lender, or other financial institution.
Mobile/SMS Information
No mobile information, including SMS opt-in data and consent, will be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.
SMS opt-in data and consent will not be transferred to third parties for unrelated marketing purposes. Information may be disclosed to service providers that support delivery of requested communications or otherwise as permitted or required by law.
5. Text Messaging and SMS Communications
If you voluntarily provide your phone number and separately consent to receive text messages in connection with aiHELOC.com, you may receive SMS messages relating to your inquiry, requested services, eligibility or prequalification process, application, appointments, transaction updates, and other communications you have authorized.
Message frequency may vary. Message and data rates may apply.
You may opt out at any time by replying STOP to a message. You may reply HELP for assistance.
Consent to receive text messages is not a condition of purchasing any goods or services.
6. Cookies and Website Technologies
Our website may use cookies, analytics tools, pixels, and similar technologies to operate the website, improve functionality, understand website usage, measure performance, maintain security, and improve our services.
You may be able to control certain cookies through your browser or device settings.
7. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information in our possession.
However, no method of transmitting information over the Internet or electronically storing information can be guaranteed to be completely secure.
8. Third-Party Services
Our website may contain links to or use products and services provided by third parties.
Third parties, including licensed mortgage companies and lenders to which your mortgage request is referred or transferred, may maintain their own privacy policies and practices. Once your information is provided to such a company, its collection, use, disclosure, and protection of your information may also be governed by its applicable privacy notices and legal obligations.
We encourage you to review applicable third-party privacy notices.
9. Your Privacy Choices and Rights
Depending upon applicable law and the nature of our relationship with you, you may have rights regarding certain personal information, including rights to request access, correction, or deletion of information.
You may contact us using the information below to submit a privacy-related request.
You may unsubscribe from marketing email communications using the unsubscribe method provided in the applicable communication and may opt out of SMS communications by replying STOP.
Certain information may need to be retained as required or permitted by applicable federal or state laws, regulations, record-retention requirements, or legitimate business purposes.
10. Children's Privacy
Our website and mortgage-related services are intended for adults and are not directed to children under the age of 13.
We do not knowingly collect personal information from children under 13 through this website.
11. Changes to This Privacy Policy
We may update this Privacy Policy periodically.
Changes will be posted on this page with an updated effective date. Your continued use of the website following an update will be subject to the then-current Privacy Policy.
12. Contact Us
Questions regarding this Privacy Policy or our privacy practices may be directed to:
aiHELOC.com Website operated by Reza Tak Mortgage Loan Originator | NMLS #1114078
999 Corporate Drive, Ste 100 Ladera Ranch, CA 92694 Email: teams@aiheloc.com Phone: 949-201-8464
TERMS & CONDITIONS
Effective Date: August 30, 2026
aiHELOC.com is a domain name owned by Reza Tak and used for mortgage-related marketing, advertising, informational, and consumer inquiry purposes. aiHELOC.com is not a separately licensed mortgage broker, lender, creditor, or mortgage company.
Mortgage loan origination services advertised or described through aiHELOC.com are provided by Reza Tak, Mortgage Loan Originator, NMLS #1114078, through licensed mortgage companies with which Reza Tak is properly affiliated and/or sponsored.
These Terms & Conditions govern your access to and use of aiHELOC.com. By accessing or using this website, you agree to these Terms & Conditions.
1. Website Use
You may use this website only for lawful purposes and in accordance with these Terms & Conditions.
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, introduce malicious software, submit false or fraudulent information, or use the website for unlawful or fraudulent purposes.
2. Mortgage Services and Licensed Mortgage Companies
aiHELOC.com is a marketing, advertising, informational, and consumer inquiry website and is not itself a lender, creditor, mortgage broker, or separately licensed mortgage company.
Mortgage loan origination services advertised or described through aiHELOC.com are provided by Reza Tak, NMLS #1114078, through licensed mortgage companies with which Reza Tak is properly affiliated and/or sponsored.
Depending upon the loan program and transaction, an applicable licensed mortgage company may act as the mortgage broker, lender, creditor, loan originator, processor, and/or funding or closing entity.
The applicable mortgage company and its licensing and NMLS information will be identified to the consumer in connection with the applicable loan transaction and as required by law.
3. Information Submitted Through the Website
Information submitted through the website, including information provided through contact forms, eligibility forms, prequalification requests, applications, or our chatbot, should be accurate and complete to the best of your knowledge.
By submitting a mortgage inquiry, eligibility request, prequalification request, application, or other mortgage-related information, you acknowledge that your request and information may be referred or transferred to an applicable licensed mortgage company with which Reza Tak is properly affiliated and/or sponsored for purposes of evaluating, arranging, processing, originating, funding, and/or closing your requested mortgage transaction.
Your information may be shared with parties reasonably necessary to evaluate and handle your mortgage request, subject to applicable privacy laws and privacy notices.
4. No Guarantee of Eligibility or Loan Approval
Information provided through this website is for general informational and inquiry purposes.
Submitting an inquiry, eligibility request, prequalification request, or application does not constitute or guarantee loan approval, credit approval, financing, or any particular interest rate, fee, term, loan amount, or loan program.
Any mortgage financing is subject to applicable lender or mortgage company eligibility requirements, underwriting, verification, documentation, property requirements, program requirements, approval, and other applicable conditions.
THIS IS NOT A COMMITMENT TO LEND. NOT ALL APPLICANTS WILL QUALIFY.
5. Loan Programs and Information
Loan products, terms, eligibility requirements, underwriting standards, documentation requirements, rates, fees, loan amounts, closing times, and availability may vary by lender, mortgage company, borrower qualifications, property, loan program, and other factors and may change without notice.
Information presented on this website should not be interpreted as a guarantee that any particular mortgage product, term, rate, loan amount, approval, or closing timeframe will be available to you.
6. SMS Messaging Terms
If you separately opt in to receive SMS messages in connection with aiHELOC.com, you agree to receive text messages relating to your inquiry, requested services, eligibility or prequalification process, application, appointments, updates, and other communications you have authorized.
Message frequency varies. Message and data rates may apply.
You may opt out at any time by replying STOP. After sending STOP, you may receive a confirmation message and will no longer receive SMS messages unless you subsequently opt in again.
For assistance, reply HELP or contact us using the information below.
Consent to receive SMS messages is not a condition of purchasing any goods or services.
7. Carrier Disclaimer
Wireless carriers are not responsible for delayed or undelivered messages.
8. Privacy
Your use of the website and information you submit are subject to our Privacy Policy.
Information relating to a mortgage transaction may also become subject to privacy notices and policies provided by the applicable licensed mortgage company, lender, creditor, or other financial institution handling the transaction.
9. Third-Party Services
The website may use third-party services or contain links to third-party websites.
The operator of aiHELOC.com is not responsible for the availability, content, security, terms, or privacy practices of independently operated third-party websites or services.
The licensed mortgage company handling your mortgage transaction is a separate licensed entity unless expressly disclosed otherwise.
10. Intellectual Property
Unless otherwise stated, content on this website, including the aiHELOC.com name, text, graphics, logos, images, designs, and other materials, is owned by or licensed to Reza Tak and may not be reproduced, distributed, modified, or otherwise used without authorization, except as permitted by applicable law.
11. Changes to These Terms
We may modify these Terms & Conditions periodically.
Updated Terms & Conditions will be posted on this page with a revised effective date.
12. Contact Us
Questions regarding these Terms & Conditions may be directed to:
aiHELOC.com Website operated by Reza Tak, J.D. | Mortgage Loan Originator | NMLS #1114078 | 999 Corporate Drive, Ste 100 Ladera Ranch, CA 92694 Email: teams@aiheloc.com Phone: 949-201-8464
Equal Housing Opportunity. Copyright © 2026. All rights reserved.