Privacy Policy.

This Privacy Policy governs how nexflip, a trade name of Better Rate Mortgage, Inc. (NMLS #1852295) (“nexflip,” “we,” “us”), collects, uses, maintains, and discloses information collected from users (each, a “User”) of the nex-flip.com website (the “Site”). It applies to the Site and to all products and services offered under the nexflip name, including our deal analyzer, our AI assistant Nico, the X Club, and our calls, texts, and emails.

If you apply for a loan, you will also receive the privacy notice required by federal law for financial institutions, which governs information in your loan file.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including when Users create an account, fill out a form, run the deal analyzer and request terms, subscribe to our newsletter, join the X Club, chat with Nico, or use other features of the Site. Users may be asked, as appropriate, for their name, email address, phone number, business entity, investing experience, and details about a deal, such as purchase price, rehab budget, after-repair value, credit-score range, and loan term.

Users may visit the Site anonymously. We collect personal identification information only if Users voluntarily submit it to us. Users can always refuse to supply it, although that may prevent them from using certain features of the Site.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with the Site. This may include the browser name, the type of device, the operating system, the Internet service provider, the IP address, the pages visited, and similar technical information.

Consent records

When a User agrees to receive calls and texts, we record whether consent was given, the exact consent language, the date and time, the IP address, and the browser and device type, so that we can honor and document that choice.

Web browser cookies

The Site may use “cookies” to enhance the User experience. A User’s web browser places cookies on their device for record-keeping and sometimes to track information about them. Users may set their browser to refuse cookies or to alert them when cookies are being sent; if they do, some parts of the Site may not function properly. The Site does not currently use advertising cookies or tracking pixels. If we add analytics or advertising tools, we will update this policy before they go live.

How we use collected information

nexflip may collect and use Users’ personal information for the following purposes:

• To respond to Users. Information you provide helps us answer questions and support requests, and prepare preliminary loan terms.
• To provide the services you request. We use your information to create your account, connect you to our secure application and borrower portal, and arrange the financing you ask for, including sharing your file with funding lenders.
• To personalize the User experience. We may use information in the aggregate to understand how Users as a group use the Site.
• To improve the Site. We may use feedback you provide to improve our products and services.
• To run the X Club and other Site features.
• To send Users information they agreed to receive about topics we think will interest them.
• To send periodic emails. If a User opts in to our mailing list, they will receive emails that may include company news, updates, and related program or service information. Every email includes unsubscribe instructions, or Users may contact us.
• To comply with the law, keep required records, and prevent fraud.

How we share information

We do not sell personal information, and we do not share data with third parties for their marketing or promotional purposes. We share information only as needed to provide our services:

• With service providers that operate our systems under contract, including our CRM and messaging platform, our loan origination system and borrower portal, our website host, and our email and phone providers.
• With funding lenders and capital partners when you ask us to arrange financing, and with the parties needed to close a loan, such as appraisers, title and escrow companies, insurers, and credit bureaus (with your authorization).
• With regulators, courts, and law enforcement when required by law.
• With a successor if our business is sold or reorganized, subject to this policy.

SMS terms and communications

If you opt in to receive SMS (text) messages from nexflip, the following terms apply:

• I agree to be contacted by nexflip by call, email, and text regarding business-purpose real estate financing and related services.
• We use SMS to confirm appointments, send reminders and file updates, notify clients of schedule changes, and, if you opted in to marketing, share information about our loan programs and the X Club.
• Users can opt out at any time by texting STOP, and will receive a confirmation of the unsubscribe.
• Users can text HELP for assistance or contact us at hello@nex-flip.com or (916) 742-7400.
• Carriers are not liable for delayed or undelivered messages.
• Message and data rates may apply, and message frequency may vary.
• Questions about your text or data plan should be directed to your wireless provider.
• Mobile opt-in data and consent will not be shared with third parties for marketing or promotional purposes. Full SMS terms: SMS Opt-Out Language.

How we protect your information

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored through the Site. Please never send your Social Security number or bank account details by email, text, or chat. Upload documents only through our secure portal.

Third party websites

Users may find content on the Site that links to the sites and services of our partners, lenders, suppliers, and other third parties, including our secure application portal. We do not control the content or links on those sites and are not responsible for their practices. Those sites may change and have their own privacy and customer service policies. Browsing and interaction on any other website is subject to that website’s own terms and policies.

Children’s privacy

Our services are intended for adults and businesses. In compliance with the Children’s Online Privacy Protection Act, we never knowingly collect or maintain information from anyone under 13, and no part of the Site is structured to attract anyone under 13. We do not knowingly accept accounts from anyone under 18.

Your choices

• Texts: reply STOP to any message.
• Email: use the unsubscribe link in any marketing email.
• Calls, access, correction, or deletion: contact us at hello@nex-flip.com or (916) 742-7400. Some records must be kept by law.
• California residents: see our California Privacy Notice. We honor Global Privacy Control browser signals.

How long we keep information

We keep information as long as needed for the purposes above and as long as required by law, including recordkeeping rules for mortgage brokers, and keep consent records as long as we may need to show that consent was given.

Changes to this privacy policy

nexflip may update this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to check this page often to stay informed about how we protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this policy periodically and become aware of changes.

Your acceptance of these terms

By using the Site, you signify your acceptance of this policy. If you do not agree to it, please do not use the Site. Your continued use of the Site after changes are posted means you accept those changes.

Contacting us

If you have questions about this Privacy Policy, the practices of the Site, or your dealings with us, contact:

nexflip · Better Rate Mortgage, Inc.
2998 Douglas Blvd, Ste 325, Roseville, CA 95661
(916) 742-7400 · hello@nex-flip.com

This document was last updated on 11/06/2026.