Privacy Policy

Effective Date: March 9, 2026
Last Updated: July 13, 2026

1. Introduction

TopSell Media, LLC (collectively, “TopSell Media,” “BestDoctorLoans.com,” “we,” “us,” or “our”) respects your privacy and is committed to handling personal information responsibly. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit BestDoctorLoans.com, submit an inquiry, communicate with us, or otherwise use our websites, forms, content, and related services (collectively, the “Services”).

BestDoctorLoans.com is an educational and lead-generation platform that helps consumers learn about mortgage options and request connections with independent lenders and other mortgage professionals. TopSell Media, LLC and BestDoctorLoans.com are not lenders, mortgage brokers, banks, credit unions, financial institutions, loan servicers, or real estate settlement service providers. We do not make credit decisions, issue loan commitments, approve or deny applications, set loan terms, provide loan proceeds, or guarantee that any consumer will qualify for a loan.

This Privacy Policy applies only to information handled by us through the Services. Once we provide your information to a lender, mortgage professional, or other authorized recipient at your request or with your consent, that recipient’s privacy notice and legal obligations govern its independent handling of your information. We encourage you to review each recipient’s privacy notice before providing additional information or completing a formal loan application.

By using the Services, you acknowledge the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Services or submit personal information through them.

2. Scope and Role

This Privacy Policy applies to personal information collected through the Services from consumers in the United States. It does not apply to information collected by websites, applications, lenders, mortgage professionals, advertisers, or other third parties that we do not control, even if the Services link to them.

For purposes of applicable state privacy laws, TopSell Media generally acts as the business or controller of personal information collected directly through the Services. A lender or mortgage professional receiving a consumer inquiry generally acts as a separate business or controller for its own purposes. Our service providers process information for us under contractual restrictions appropriate to their functions.

Some state privacy laws apply only when a business meets specific revenue, data-volume, or other thresholds. We provide the notices and request methods below as a consistent privacy framework. Providing a request method does not concede that any particular law applies to us, and rights remain subject to applicable definitions, exemptions, exceptions, and verification requirements.

3. Personal Information We Collect

“Personal information” or “personal data” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked to an individual or household. It generally does not include publicly available information or information that has been processed so it can no longer reasonably be linked to an individual or household, as permitted by applicable law.

Information You Provide

Depending on how you use the Services, you may provide:

Identifiers and contact information, such as your name, email address, telephone number, mailing address, and state of residence or desired property location.
Professional information, such as your profession, degree or professional designation, residency or fellowship status, employer or employment type, years in practice, anticipated start date, and general income or employment information.
Mortgage inquiry information, such as loan purpose, property use, property type, purchase price or estimated property value, requested loan amount, down-payment range, estimated credit-score range, citizenship or residency status, desired timing, and other information relevant to matching an inquiry with potential programs.
Communication preferences, such as your preferred contact method, marketing choices, consent records, and requests to opt out.
Communications and submissions, including questions, messages, feedback, documents you choose to provide, and information submitted when you contact us or exercise a privacy right.

Providing personal information is voluntary, but we may be unable to respond to an inquiry, identify a potential program, or make a requested connection without information reasonably necessary for that purpose. You are responsible for providing information that is accurate, complete, and current. Inaccurate or incomplete information may prevent us or a participating provider from responding appropriately.

Please do not submit Social Security numbers, bank-account credentials, full payment-card numbers, account passwords, copies of government identification, complete tax returns, medical records, or other highly sensitive documents through a general website inquiry form. A lender or mortgage professional may request additional information through its own secure application process.

Information Collected Automatically

When you use the Services, we and parties performing services for us may automatically collect:

Device and network information, such as Internet Protocol address, browser type, device type, operating system, language, approximate location derived from an IP address, and device or advertising identifiers.
Usage information, such as pages viewed, referring and exit pages, links selected, dates and times of visits, time spent on pages, form interactions, and navigation paths.
Cookie and similar-technology information, such as identifiers and preferences stored through cookies, pixels, tags, local storage, and similar technologies.
Security and diagnostic information, such as event logs, error reports, fraud indicators, and records used to maintain system integrity.

Information From Other Sources

We may receive information from:

Advertising, referral, and marketing sources that direct you to the Services;
Lenders, mortgage professionals, and business partners regarding the status or disposition of an inquiry, subject to applicable law and contractual restrictions;
Analytics, fraud-prevention, identity-verification, and data-quality services;
Publicly available sources; and
Another person acting on your behalf, provided that person is authorized to provide the information.

We may combine information received from different sources and use the combined information for the purposes described in this Privacy Policy.

4. Sensitive Personal Information

Some information used to evaluate or route a mortgage inquiry may be considered “sensitive personal information” or “sensitive data” under certain state laws. Depending on what you provide, this may include citizenship or immigration status, precise location if enabled, account credentials, or information revealing racial or ethnic origin. We do not ask you to provide information about medical diagnoses or treatment merely because you work in a medical profession.

We use sensitive personal information only as reasonably necessary to provide requested Services, route an inquiry, maintain security, comply with law, prevent fraud, or for other purposes permitted by applicable law. Where required, we will obtain consent before processing sensitive data and will provide a method to withdraw that consent. We do not use or disclose sensitive personal information to infer characteristics about you except as permitted by law, and we do not knowingly sell or share the personal information of consumers under 16 years of age.

5. How We Use Personal Information

We may use personal information to:

Operate, maintain, secure, troubleshoot, and improve the Services;
Respond to your questions and provide educational mortgage information;
Evaluate the basic characteristics of your inquiry and identify lenders, mortgage professionals, or programs that may be relevant;
Transmit your inquiry to one or more independent lenders or mortgage professionals when you request or authorize a connection;
Facilitate and monitor introductions, follow up on inquiries, and provide customer support;
Communicate with you by email, telephone, text message, or other channels in accordance with your choices and applicable law;
Personalize content, measure engagement, understand traffic, and improve site performance;
Conduct advertising, attribution, and campaign measurement, subject to legally required choices;
Maintain records of consent, privacy choices, transactions, and business operations;
Detect, investigate, and prevent fraud, misuse, security incidents, and unlawful activity;
Enforce our agreements, protect legal rights, resolve disputes, and comply with legal obligations; and
Create aggregated or deidentified information that cannot reasonably be used to identify you and use it for lawful business purposes.

We will not process personal information for a materially different purpose without providing any notice or consent required by applicable law.

6. Lead Matching and Disclosure of Personal Information

The core purpose of the Services is to help consumers request information and connect with potential providers. When you submit an inquiry and ask to be matched, we may disclose the information needed to evaluate and respond to that inquiry to one or more independent lenders, mortgage loan originators, mortgage brokers, banks, credit unions, or other mortgage-related professionals. These recipients may contact you regarding products or services that may interest you.

We may receive compensation from a recipient for advertising, marketing, lead generation, or related services. Depending on the facts and the law of your state, disclosing personal information in connection with this compensation may be considered a “sale,” “sharing,” or processing for targeted advertising even when no money is paid specifically for the personal information. We provide opt-out methods in this Privacy Policy and on our Do Not Sell or Share My Personal Information page.

Submitting an inquiry is not a mortgage application, does not create a lender-borrower relationship, and does not guarantee contact, eligibility, approval, loan terms, or funding. A recipient independently determines whether it can assist you and is responsible for its licensing, disclosures, underwriting, credit decisions, communications, information security, and legal compliance.

7. Other Circumstances in Which We Disclose Information

We may disclose personal information to the following categories of recipients:

Service providers and contractors. Companies that provide website hosting, form processing, customer-relationship management, communications, analytics, advertising support, security, fraud prevention, data storage, professional services, and other operational functions. They may use information only as permitted by contract and applicable law.
Lenders and mortgage professionals. Independent parties to whom an inquiry is directed or with whom you request a connection.
Advertising and measurement partners. Parties that help deliver, measure, attribute, or limit advertising, subject to your applicable privacy choices.
Professional advisers. Attorneys, accountants, auditors, insurers, consultants, and other advisers who are bound by appropriate duties of confidentiality.
Government authorities and legal recipients. Courts, regulators, law-enforcement agencies, or other parties when we reasonably believe disclosure is required by law, legal process, or a valid governmental request, or is necessary to protect rights, safety, property, users, or the public.
Business-transaction recipients. Actual or prospective buyers, investors, lenders, successors, or other parties involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar corporate transaction, subject to appropriate protections.
Other parties at your direction or with your consent. Recipients you authorize or direct us to contact.

We may also disclose aggregated or deidentified information that cannot reasonably be linked to you. We will maintain and use deidentified information in deidentified form and will not attempt to reidentify it except as permitted by law.

8. Cookies, Analytics, and Interest-Based Advertising

We and parties performing services for us may use cookies, pixels, tags, scripts, local storage, and similar technologies to operate the Services, remember preferences, protect forms, understand site usage, measure marketing performance, and deliver or evaluate advertising.

These technologies generally fall into the following functional categories:

Strictly necessary technologies support security, network management, accessibility, form submission, and core site functions.
Preference technologies remember choices and improve functionality.
Analytics technologies help us understand visits, traffic sources, navigation, and performance.
Advertising technologies help measure campaigns, attribute referrals, limit repetition, and deliver advertising that may be based on activity across websites or services.

You can manage nonessential technologies through any cookie-preference tool made available on the Services and through your browser or device settings. Blocking some technologies may affect site functionality. Browser controls are device- and browser-specific and may need to be reset if you clear cookies or use another browser.

Where required by law, we recognize qualifying browser-based universal opt-out preference signals, such as Global Privacy Control, as a request to opt out of sale, sharing, or targeted advertising for the browser and device that sends the signal. Because these signals do not always identify you by name or email address, you may also submit a request using the methods in Section 14.

For more information, please review our Cookie Policy.

9. Email, Telephone, and Text Communications

If you provide contact information and the requested consent, we, a lender, or a mortgage professional may contact you about your inquiry by email, telephone, or SMS/MMS text message, including through an automatic telephone dialing system, artificial or prerecorded voice, or other automated technology where legally permitted. Communications may concern mortgage products, rates, home financing, construction loans, prequalification, educational information, or related products and services. Consent to marketing communications is not a condition of obtaining credit or purchasing any property, goods, or services. Message and data rates may apply.

You may unsubscribe from marketing email by using the unsubscribe link in the message. You may opt out of marketing text messages by replying STOP. You may request that telephone marketing calls stop by telling the caller or contacting us. We may still send nonmarketing messages reasonably necessary to respond to your request, confirm a privacy choice, provide service-related information, or comply with law.

An opt-out submitted to us applies to communications controlled by us. Because lenders and mortgage professionals are independent businesses, you must communicate directly with them to stop communications they control.

10. Grounds for Processing

Although this Privacy Policy is designed for United States consumers, certain laws describe the grounds on which information may be processed. Depending on the circumstances, we process personal information to provide Services you request, with your consent, to comply with legal obligations, and for legitimate business purposes such as operating and improving the Services, preventing fraud, securing systems, communicating with users, and conducting appropriate marketing. Where processing depends on consent, you may withdraw consent subject to legal and operational limitations.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to respond to inquiries, facilitate requested connections, maintain consent and opt-out records, manage business relationships, prevent fraud, secure the Services, resolve disputes, enforce agreements, and satisfy tax, accounting, regulatory, and other legal obligations.

Retention periods vary based on the type and sensitivity of information, the nature of the relationship, operational needs, applicable limitation periods, and legal requirements. We may retain a minimal record of a deletion or opt-out request to document compliance and prevent unwanted future processing. When information is no longer required, we take reasonable steps to delete it, deidentify it, or securely dispose of it.

12. Information Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, destruction, loss, misuse, alteration, or disclosure. These safeguards may include access controls, encryption in transit where appropriate, secure hosting configurations, monitoring, vendor oversight, employee or contractor confidentiality obligations, and incident-response procedures.

No method of transmission, storage, or security is completely reliable, and we cannot guarantee absolute security. You should use caution when transmitting information online, avoid sending highly sensitive information through general inquiry forms or ordinary email, and promptly notify us if you believe your interaction with the Services is no longer secure.

13. Your Privacy Rights

Depending on your state of residence and our obligations under applicable law, you may have the right to:

Know or access the personal information we process about you and obtain a portable copy;
Correct inaccuracies in your personal information;
Delete personal information, subject to legal exceptions;
Confirm processing and obtain information about our collection, use, and disclosure practices;
Opt out of the sale of personal information, sharing for cross-context behavioral advertising, targeted advertising, or certain profiling;
Limit certain uses or disclosures of sensitive personal information or withdraw consent to sensitive-data processing where applicable;
Obtain a list of categories or, in some states, specific third parties to which personal information has been disclosed;
Appeal a decision we make regarding a privacy request; and
Receive equal service and pricing without unlawful discrimination for exercising a privacy right.

These rights are not absolute. We may deny or limit a request when permitted by law, including when we cannot verify your identity, an exemption applies, information must be retained to comply with law or establish legal claims, or fulfilling the request would adversely affect another person’s rights.

14. How to Exercise Your Privacy Rights

You may submit a privacy request by:

Emailing privacy@bestdoctorloans.com; or
Using the request method provided on our Do Not Sell or Share My Personal Information page.

Please state the right you wish to exercise and provide enough information for us to identify relevant records. We will use information submitted with a privacy request only to verify and fulfill the request, maintain legally required records, and prevent fraud.

We may need to verify your identity by matching information you provide with information already maintained by us. The level of verification will depend on the nature of the request and the sensitivity of the information. If we cannot verify a request, we may ask for additional information or deny the request as permitted by law. We will not require you to create an account solely to submit a request.

You may use an authorized agent where permitted by law. We may require proof that you authorized the agent and may ask you to verify your identity directly, unless the agent holds a legally valid power of attorney. We will respond within the period required by applicable law and will notify you if an extension is reasonably necessary.

If we deny your request, you may appeal by replying to our decision or emailing privacy@bestdoctorloans.com with the subject line “Privacy Appeal.” We will review and respond to the appeal as required by applicable law. If an appeal is denied, we will provide information about contacting the appropriate state regulator when required.

15. State-Specific Privacy Disclosures

The disclosures in this section supplement the rest of this Privacy Policy. They apply only to residents and personal information covered by the identified law. Terms defined by an applicable state law have the same meaning in this section.

California

This California notice applies to personal information covered by the California Consumer Privacy Act, as amended (“CCPA”). In the preceding 12 months, we may have collected the categories below. The examples are illustrative and depend on how a consumer uses the Services.

Identifiers, such as name, email address, telephone number, IP address, and online identifiers.
Personal information described in California Civil Code section 1798.80, such as contact, employment, and financial inquiry information.
Protected classification characteristics, such as age range, citizenship or immigration status, or professional information that may indirectly reveal a characteristic, if voluntarily provided.
Commercial information, such as records of requested services, mortgage interests, and inquiry history.
Internet or other electronic network activity, such as browsing, interaction, device, and usage information.
Geolocation data, generally approximate location derived from IP address and any location information voluntarily provided.
Professional or employment-related information, such as occupation, employer type, career stage, and anticipated employment start date.
Inferences, such as likely mortgage interests or potential program eligibility derived from inquiry information.
Sensitive personal information, such as citizenship or immigration status or account access credentials, if collected.

We collect these categories from the sources described in Section 3, use them for the purposes described in Sections 5 and 6, and retain them as described in Section 11.

In the preceding 12 months, we may have disclosed for a business purpose the following categories: identifiers; California customer-record information; protected classification characteristics; commercial information; Internet or network activity; geolocation data; professional or employment information; inferences; and sensitive personal information. Business-purpose recipients may include service providers, contractors, professional advisers, security providers, and entities involved in a corporate transaction.

In the preceding 12 months, we may have sold or shared—as those terms are broadly defined by the CCPA—identifiers, commercial information, Internet or network activity, approximate geolocation data, professional information, and inferences with lenders, mortgage professionals, advertising partners, or measurement partners. We do not sell or share Social Security numbers, complete financial-account credentials, or contents of private communications. We do not knowingly sell or share personal information of consumers under 16 years of age.

California residents may have rights to know, access, correct, delete, and obtain information about categories of sources, business or commercial purposes, and categories of third parties; to opt out of sale or sharing; to limit certain uses and disclosures of sensitive personal information; and to be free from unlawful discrimination. To exercise these rights, use the methods in Section 14. A request to opt out does not require identity verification, although we may request information necessary to apply the preference. We will honor qualifying Global Privacy Control signals as described in Section 8.

We do not offer financial incentives or price or service differences in exchange for personal information. We do not use or disclose sensitive personal information for purposes that require a right to limit under the CCPA unless otherwise disclosed at collection.

Colorado, Connecticut, Delaware, Iowa, Indiana, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, Virginia, and Other States With Comprehensive Privacy Laws

Residents covered by an applicable comprehensive state privacy law may exercise the rights described in Sections 13 and 14. Depending on state law, this may include the right to confirm processing; access, correct, delete, or obtain a portable copy of personal data; opt out of sale, targeted advertising, or qualifying profiling; withdraw consent to sensitive-data processing; obtain a list of categories or specific third parties receiving personal data; and appeal a denied request.

We process personal data for targeted advertising and may exchange personal data with lenders or mortgage professionals in circumstances treated as a sale under certain state laws. You may opt out using the methods in Section 14 or a legally recognized universal opt-out mechanism. We do not conduct profiling in furtherance of decisions that produce legal or similarly significant effects. Any lender or mortgage professional makes its own independent eligibility, underwriting, and credit decisions.

Where consent is required to process sensitive data, we will request consent before the processing begins. You may withdraw consent by contacting us. If we know that a consumer is a child, we process personal data only as permitted by applicable child-privacy law.

Oregon

Subject to applicable law, an Oregon resident may request a list of specific third parties, other than natural persons, to which we have disclosed personal data. A resident may also request information about the categories of personal data processed, including personal data disclosed to third parties. Trade-secret and other statutory protections apply.

Minnesota and Montana

Where applicable, residents may question the result of qualifying profiling, obtain information about the reason for the result, and request reevaluation. We do not presently use personal data to profile consumers in furtherance of decisions producing legal or similarly significant effects.

Nevada

Nevada residents may submit a verified request directing us not to make a “sale” of covered information as narrowly defined by Nevada law. We do not currently sell covered information for monetary consideration within that definition. You may nevertheless submit an opt-out request using Section 14.

State Direct-Marketing Disclosures

Residents of states with direct-marketing disclosure laws may request information identified by applicable law regarding certain disclosures of personal information for recipients’ direct-marketing purposes. Submit a request using Section 14 and include “Direct Marketing Disclosure” in the subject line. Where a state law permits a business to provide a cost-free method to opt out instead, the opt-out methods in this Privacy Policy and our Do Not Sell or Share page are available.

16. Children’s Privacy

The Services are intended for adults and are not directed to children under 18. We do not knowingly collect personal information from children under 13 or knowingly sell or share personal information of consumers under 16. If you believe a child has provided personal information through the Services, please contact us. We will investigate and delete the information when required by law.

17. Third-Party Websites and Services

The Services may contain links to or integrations with third-party websites or services. We do not control and are not responsible for their privacy, security, content, licensing, or business practices. A link does not imply endorsement. Review the privacy notice and terms of each third party before providing information.

18. Financial and Health Information

BestDoctorLoans.com is not a financial institution and does not itself provide consumer financial products or services. This Privacy Policy is not a financial institution’s privacy notice under the Gramm-Leach-Bliley Act. If you proceed with a lender or mortgage professional, that entity may provide separate federal or state financial privacy notices and may collect information not collected by us.

The Services are designed for medical professionals and other consumers seeking mortgage information, but we do not provide health care and do not request protected health information for lead matching. Information submitted through the Services is not automatically protected by the Health Insurance Portability and Accountability Act merely because a user works in health care or mentions general professional information.

19. Equal Housing Opportunity and Fair Lending

TopSell Media supports fair lending and equal housing opportunity. Independent lenders and mortgage professionals are responsible for evaluating inquiries and applications in accordance with applicable fair lending and nondiscrimination laws, including the Equal Credit Opportunity Act and Fair Housing Act. TopSell Media does not make loan approval, underwriting, pricing, or eligibility decisions.

20. No Professional Advice

Content available through the Services is provided for general informational and educational purposes. It is not legal, tax, accounting, financial, investment, real estate, or individualized mortgage advice. You should consult appropriately qualified professionals regarding your circumstances before making a financial, legal, tax, or real estate decision.

21. International Visitors

The Services are intended for consumers located in the United States and seeking information about property financing in the United States. If you access the Services from another country, you understand that personal information may be transferred to, processed, and stored in the United States, where privacy laws may differ from those in your jurisdiction. Do not submit information if its transfer to or processing in the United States would violate law applicable to you.

22. Do Not Track and Universal Opt-Out Signals

Some browsers offer a “Do Not Track” setting, but there is no single universally accepted standard governing responses to that setting. The Services may not respond to traditional Do Not Track signals. We do, however, process qualifying universal opt-out preference signals where required by applicable law, as explained in Section 8.

23. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in the Services, business practices, technology, or law. When we make changes, we will revise the “Last Updated” date and post the updated version. If a change is material, we will provide additional notice or obtain consent when required by law. The version posted when you use the Services governs our handling of information at that time, subject to applicable law.

24. Contact Us

For questions about this Privacy Policy or our privacy practices, or to exercise a privacy right, contact:

TopSell Media, LLC‍

Email: privacy@bestdoctorloans.com

‍Website: BestDoctorLoans.com

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