Privacy Policy

Who we are

Full Count Creative (“we”, “us”) makes Dibs, a lead desk for lenders. This policy covers the Dibs website, the lead desk, the text alerts the lead desk sends, and the Lintel site with its assistant, Morty.

Lintel is an invented lender that Full Count Creative built to demonstrate Dibs. It does not make loans, and the loan officers shown on it are sample profiles.

What we collect

If you chat with Morty:

• The messages you send.
• The home-buying details you choose to share in them, such as where you are looking, your timeline, and approximate income, monthly debts, and savings.
• If you ask to be contacted: your name, your email address or phone number, how you prefer to be reached, and whether you agreed to a one-time follow-up or to educational emails.

We do not ask for Social Security numbers, passwords, bank logins, or financial documents. Please do not send them.

The pre-approval request form on the Lintel home page is not connected to a lender. What you enter in it reaches our server and is discarded, not stored.

If you use the lead desk:

• A sign-in cookie that keeps you signed in on your device.
• Which loan officer you are viewing the desk as, saved in your browser only.
• The mobile number you gave us to receive lead alerts, and the replies you text back.
• What you do with each lead, such as taking it, passing on it, or marking it contacted.

For every visitor, our hosting provider records standard request details such as IP address and browser type. We use the IP address to limit automated abuse.

How we use it

• To answer your questions and prepare illustrative estimates during a chat.
• To create a lead on the lead desk when you ask to be contacted, with a short summary of the chat, so a loan officer can follow up the way you asked.
• To order leads on the desk and route each one to a loan officer.
• To text a loan officer when a new lead arrives, and to act on their reply.
• To keep the service secure and working.

We do not use this information for advertising.

Text messages

Full Count Creative sends text alerts only to loan officers and workspace owners who gave us their mobile number in order to receive them. We use that number, and the record that you opted in, only to send those alerts and to respond to your replies.

We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.

You can stop the alerts at any time by replying STOP. The full text message terms are in our Terms & Conditions.

Who we share it with

We share information only with the companies that run the service for us, and only so they can do that work:

• Vercel hosts the website.
• Supabase hosts the database where leads are stored.
• OpenAI provides the AI model that writes Morty’s replies and the lead summaries. It receives the chat messages. Email addresses and phone numbers entered on the contact card are not sent to it.
• Twilio delivers the text alerts. An alert can include a borrower’s first name, location, and timeline. Once a loan officer takes the lead, the reply includes the contact detail the borrower asked to be reached at and one or two talking points from the chat.

We do not sell personal information. We may disclose it if the law requires us to, or to protect the service and the people who use it.

How long we keep it

A lead, with its chat summary and contact details, is kept for 30 days after it is created and then deleted. Chats that never become a lead are not stored by us. Our providers keep their own records, such as request logs and text message logs, for the periods set out in their policies.

Your choices

• You can use Morty without giving your name or any contact details.
• You can ask us what we hold about you, or ask us to delete it, by emailing jb@fullcountcreative.com.
• If you receive text alerts, reply STOP to end them or HELP for help.

Children

The service is not meant for anyone under 18, and we do not knowingly collect information from children.

Changes to this policy

If we change this policy we will post the new version here and update the date at the top.

Contact

Questions about this policy go to Full Count Creative at jb@fullcountcreative.com.