Privacy Policy

This Privacy Policy explains how Ennkar, Inc. (“Ennkar,” “we,” “our,” or “us”) collects, uses, and shares personal information through our website, communications, and SMS messaging program.

1. Information We Collect

We may collect personal information that you voluntarily provide to us or that is needed to deliver our services. This may include:

• Name
• Phone number
• Email address
• Mailing address
• Loan-related or financial information, where applicable
• Any other information you submit through our website, phone calls, or communications with us

2. How We Use Personal Information

We may use your personal information to:

• Respond to inquiries and provide customer support
• Review, process, and support loan-related requests and services
• Communicate with you regarding your account, loan inquiry, or transaction
• Send service updates, appointment reminders, follow-ups, and other communications you request
• Send promotional communications where permitted and where consent has been provided
• Maintain, improve, and secure our website and business operations

3. SMS Communications

If you opt in to receive SMS messages from Ennkar, Inc., you may receive conversational messages, customer care messages, account notifications, loan updates, appointment reminders, follow-ups, and marketing messages, depending on the consent you provide.

• Message frequency may vary
• Message and data rates may apply
• You can opt out at any time by replying STOP
• You can reply HELP for assistance

SMS opt-in and phone numbers collected for SMS communication purposes will not be shared with any third party and affiliates for marketing purposes.

4. Who We Share Personal Information With

We may share personal information only as needed for legitimate business purposes, including with:

• Service providers that help us operate our website, systems, and communications
• Lending partners, investors, or financial institutions as necessary for loan processing or related services
• Government agencies, regulators, auditors, or other parties where disclosure is required by law or legal process

We do not sell your personal information.

5. SMS Terms & Conditions

6. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or disclosure.

Cookies and Analytics

We use essential first-party cookies for site operation, including secure dashboard sessions and account-related functionality. Essential cookies are required for the site to work and are not used for advertising.

We may use analytics tools such as Google Analytics 4 and Vercel Web Analytics to understand aggregate website traffic, page performance, and how visitors move through public pages. In jurisdictions where permitted, analytics cookies may be enabled by default with notice and an opt-out choice. Google Analytics may set cookies such as _ga and _ga_*. We do not intentionally send names, email addresses, phone numbers, mortgage application details, lead-form field values, or financial inputs to analytics providers.

We may also use advertising or marketing technologies to measure campaign performance where permitted. Reverse mortgage advertising is subject to housing and credit advertising guardrails: Ennkar must not use cookie or pixel data to target or exclude people based on protected characteristics or proxies such as age, gender, or ZIP code. Remarketing audiences from reverse-mortgage pages require explicit compliance and counsel approval before use.

PostHog may be added in a future product-analytics phase for funnel and product usage analysis. It is not active today. If enabled, it will be routed through the same CMP governance and configured to avoid collecting lead-form PII or mortgage financial inputs.

For more detail about cookie categories, Global Privacy Control, and your choices, see our Cookies Policy.

The following section applies specifically to the Ennkar Connect mobile application (Android and iOS, package com.ennkar.app) for retirement mortgage tools and reverse mortgage pricing estimates. It supplements the general policy above for website, phone, and SMS.

Information we collect in the app

When you create an account, we collect your name, email address, and role (Consumer, Loan Officer, or Broker). When you submit a lead inquiry, we may also collect your phone number and notes. Calculation inputs (such as home value, loan balances, and borrower age) are sent to our servers to generate estimates and are stored with your account. We do not collect credit scores, Social Security numbers, or FCRA-covered data.

How we use app information

• Provide reverse mortgage pricing estimates
• Connect you with licensed Ennkar representatives when you request contact
• Send transactional messages (e.g. verification codes) when you consent to SMS
• Send optional educational or promotional content if you separately opt in
• Comply with applicable law

We do not sell, rent, or trade your personal information for third-party marketing.

Interest rate information (FRED)

Pricing uses the FRED® DGS10 index synced to our servers plus configured lender margins. The observation date and source appear on each result. The index may lag the latest market publish. You can verify current values at FRED DGS10.

Retention (app)

Profile and calculation history are kept while your account is active and removed when you delete your account. Lead submissions may be retained for periods required by mortgage recordkeeping law. Operational audit logs are kept for approximately 90 days and do not contain personally identifiable information.

Third-party services (app)

• Supabase — authentication, storage, and serverless functions
• Expo / EAS — app delivery and updates
• Twilio Verify — phone verification when you use SMS contact

Each provider has its own privacy policy. We do not share your data with them for their marketing.

Account Deletion (Ennkar Connect)

You may delete your account at any time in the app: Settings → Delete Account (two-step confirmation). Deletion is immediate and permanent for your profile, calculation history, and linked app data, subject to legal retention described below.

Lead submissions may be retained for periods required by mortgage recordkeeping regulations, even after account deletion, as disclosed in the app confirmation dialog.

Delete Your Data Without Deleting Your Account

You may request deletion or correction of specific personal data while keeping your account. Email privacy@ennkar.com from your registered address and describe what to delete (e.g. calculation history, phone number, or a specific lead).

Children’s Privacy (App)

The Ennkar Connect app is not directed at users under 18. Contact privacy@ennkar.com if you believe a child provided personal information.

7. Your Privacy Rights

Depending on your state or applicable law, you may request access to, correction of, or deletion of your personal information. California residents have additional rights under the CCPA, including the right to know what we collect and to opt out of sale (we do not sell personal information).

• Ennkar Connect — delete account: in-app Settings → Delete Account
• Ennkar Connect — delete specific data: email privacy@ennkar.com
• Website / SMS / general requests: privacy@ennkar.com

Do Not Sell or Share

Ennkar does not sell your personal information for money. Some analytics or advertising technologies may be considered a “share” for cross-context behavioral advertising under California privacy law. You can use Cookie Settings to opt out of these categories, and our CMP should honor Global Privacy Control signals where supported by your browser.

8. Contact Us

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.