Effective Date: August 7, 2026
This Privacy Policy, Disclosures & Consumer Notice applies to DigitalZLOC.com, a consumer education, marketing, and lead-generation website operated by ZipBuy, LLC d/b/a ZipBuy® Home Loans. By accessing DigitalZLOC.com or voluntarily submitting information through the website, you acknowledge the practices described in this notice.
ZipBuy, LLC
d/b/a ZipBuy® Home Loans
150 S. Pine Island Road, Suite 300
Plantation, FL 33324
Phone: (888) 693-7001
Corporate Website: www.zipbuy.io
Residential Mortgage Website: www.zipbuyhomeloans.com
Lead Generation Website: www.digitalzloc.com
Email: support@zipbuy.io
Residential Mortgage Licensing
ZipBuy, LLC d/b/a ZipBuy® Home Loans
Company NMLS ID 2522706
Management
Wilguimps Saint Jean
President & CEO
Individual NMLS ID 1890873
Residential mortgage products and services are available only in states and jurisdictions where ZipBuy, LLC and the applicable Mortgage Loan Originator are properly licensed or otherwise legally authorized to conduct business.
DigitalZLOC.com is a consumer education, marketing, and lead-generation platform operated by ZipBuy, LLC d/b/a ZipBuy® Home Loans. DigitalZLOC.com is designed to help homeowners request information regarding home equity and residential mortgage financing options. Depending on borrower qualifications, property eligibility, state licensing, available equity, credit profile, lender requirements, and applicable underwriting standards, products may include:
Submission of information through DigitalZLOC.com does not constitute final approval, a loan commitment, a commitment to lend, or a guarantee of financing. A formal application and supporting documentation may be required before eligibility can be determined.
Voluntarily Provided Information
Automatically Collected Technical Information
Consumers should avoid submitting highly sensitive information through general marketing forms unless specifically directed to a secure application or document portal.
We may use your information to:
Information submitted through DigitalZLOC.com may be shared as reasonably necessary to respond to your inquiry and provide services related to your request.
Residential mortgage inquiries may be routed to:
ZipBuy, LLC d/b/a ZipBuy® Home Loans
Company NMLS ID 2522706
and to Mortgage Loan Originators properly licensed or otherwise authorized to assist consumers in the applicable jurisdiction. The Mortgage Loan Originator assigned to your request may depend on state licensing, geographic location, loan program, product availability, professional availability, and applicable regulatory requirements.
ZipBuy, LLC is affiliated with:
WSJ Company Holdings, LLC
d/b/a WSJ Brands
Website: www.wsjbrands.com
Email: info@wsjbrands.com
Where permitted by applicable law, information may be shared with WSJ Company Holdings, LLC and affiliated companies under common ownership, control, or management for legitimate business purposes, including lead routing, customer relationship management, customer support, marketing, business development, operational administration, analytics, reporting, quality assurance, technology support, compliance, fraud prevention, consumer education, and coordinating products or services related to your request.
Information will not be used by an affiliated company to perform a regulated mortgage, real estate, insurance, investment, or other licensed activity unless the applicable entity or professional is properly licensed or otherwise legally authorized. Affiliate information sharing remains subject to applicable federal and state privacy laws and any consumer consent or opt-out rights that may apply.
Depending on your request, information may also be shared with appropriately licensed or authorized providers, which may include Mortgage Loan Originators, mortgage brokers, mortgage lenders, banks, credit unions, wholesale mortgage lenders, title companies, settlement service providers, appraisal providers, insurance professionals, technology providers, and other service providers reasonably necessary to facilitate your request. Each independent provider is responsible for its own licensing, underwriting, credit decisions, product eligibility, pricing, fees, required disclosures, privacy practices, customer communications, and regulatory compliance.
We may use third-party vendors to assist with business operations. These providers may include customer relationship management systems, website hosting providers, cloud storage providers, email communication platforms, SMS communication platforms, telephone systems, marketing automation providers, analytics providers, cybersecurity providers, document management providers, compliance technology providers, advertising platforms, and customer support vendors. Information may be provided to these companies when reasonably necessary for them to perform services on our behalf.
Residential mortgage financing is offered through ZipBuy, LLC d/b/a ZipBuy® Home Loans, Company NMLS ID 2522706. Management: Wilguimps Saint Jean, President & CEO, Individual NMLS ID 1890873.
Residential mortgage products are available only in jurisdictions where ZipBuy, LLC and the applicable Mortgage Loan Originator are properly licensed or otherwise authorized to conduct business. Not all products are available in every state.
Mortgage approval may be subject to credit approval, income verification, employment verification, asset verification, property valuation, property eligibility, loan-to-value requirements, underwriting, investor requirements, program guidelines, identity verification, and applicable federal and state regulations. Rates, fees, loan programs, terms, and eligibility requirements are subject to change without notice.
DigitalZLOC.com is owned and operated by ZipBuy, LLC d/b/a ZipBuy® Home Loans. DigitalZLOC.com is designed to provide educational information, marketing, lead generation, and connections to appropriately licensed mortgage professionals. Submitting an inquiry through DigitalZLOC.com does not guarantee prequalification, preapproval, loan approval, a specific credit limit, a particular interest rate, a particular monthly payment, a specific loan term, a specific product, closing, or funding. A consumer may be required to complete a formal mortgage application before a lender or licensed mortgage professional can make a credit decision.
Home equity financing involves borrowing against the equity available in real property. Depending upon the product, terms may include fixed or variable interest rates, origination charges, closing costs, appraisal costs, annual fees, draw periods, repayment periods, minimum draw requirements, early closure or termination fees, prepayment provisions, and other lender or third-party fees. A Home Equity Line of Credit may carry a variable interest rate, meaning the applicable interest rate and monthly payment may increase or decrease over time. The actual Annual Percentage Rate, payment, fees, and terms will be disclosed by the applicable lender before consummation as required by law. Borrowing against home equity generally results in a lien against the property. Your home may be at risk if you fail to meet your repayment obligations. Consumers should carefully review all disclosures, loan documents, rates, fees, repayment requirements, and potential risks before accepting financing.
A cash-out refinance replaces an existing mortgage with a new mortgage and may increase the total amount owed against the property. A cash-out refinance may change your interest rate, monthly payment, repayment period, total interest paid, require closing costs, and affect available home equity. Consumers should compare the costs and benefits of refinancing with available alternatives before completing a transaction.
When you voluntarily provide your telephone number, email address, or other contact information, you may receive communications regarding your mortgage or home equity inquiry. Where required by applicable law, appropriate consent will be obtained before regulated automated marketing calls or text messages are sent. Communications may come from ZipBuy, LLC, ZipBuy® Home Loans, a licensed Mortgage Loan Originator assigned to your request, WSJ Company Holdings, LLC d/b/a WSJ Brands, an affiliated company relevant to your inquiry, participating mortgage providers, or authorized service providers. Communications may be made through telephone calls, SMS/Text Messages, email, voicemail, or other methods you request or authorize. Message and data rates may apply. Your consent to receive marketing communications is not a condition of obtaining mortgage financing or purchasing any product or service. You may withdraw marketing consent at any time. For applicable SMS communications, reply STOP. For marketing emails, use the unsubscribe link. For consumer, compliance, or privacy requests, contact support@zipbuy.io.
DigitalZLOC.com may use cookies and similar technologies for website functionality, security, analytics, advertising, conversion measurement, lead attribution, user experience, and marketing optimization. Depending upon applicable law and your jurisdiction, you may have choices regarding certain non-essential cookies or tracking technologies. You may also manage certain cookies through your browser settings.
We may use third-party analytics and advertising platforms to understand website usage and measure marketing effectiveness. These services may help us measure website traffic, analyze user activity, evaluate advertising campaigns, improve landing pages, measure lead conversions, and provide relevant advertising where legally permitted. Third-party providers maintain their own privacy practices.
We use commercially reasonable administrative, technical, and organizational safeguards intended to protect personal information. However, no electronic storage system or internet transmission method can be guaranteed to be completely secure. Consumers should avoid transmitting highly sensitive information through unsecured email or general website forms.
We may retain information for as long as reasonably necessary to respond to your inquiry, maintain business records, provide requested services, meet regulatory requirements, resolve disputes, prevent fraud, enforce agreements, and comply with legal obligations. Retention periods may vary according to the information involved and applicable mortgage or regulatory requirements.
Depending upon your state of residence and applicable law, you may have rights to request access to personal information, request correction of inaccurate information, request deletion of certain personal information, obtain information regarding how personal information is used, obtain information regarding categories of third parties receiving information, opt out of certain targeted advertising, opt out of certain sales or sharing of personal information where applicable, request copies of certain personal information, and appeal certain privacy decisions where applicable. These rights are subject to verification requirements and legal exceptions.
DigitalZLOC.com is intended for adults seeking mortgage or home equity information. We do not knowingly solicit personal information from children under 13 through these services. Individuals seeking mortgage financing should generally be at least 18 years old or otherwise legally capable of entering into the applicable transaction.
DigitalZLOC.com may contain links to websites operated by third parties. ZipBuy, LLC is not responsible for the content, security, products, services, or privacy practices of websites it does not own or operate. Consumers should review applicable third-party privacy policies before providing personal information.
We may disclose information when reasonably necessary to comply with federal, state, or local law; respond to court orders or subpoenas; respond to regulatory authorities; investigate suspected fraud; protect legal rights; prevent unauthorized activity; protect customers, employees, partners, or members of the public; address security incidents; or as otherwise permitted by law.
Information available on DigitalZLOC.com is provided for general educational, informational, marketing, and lead-generation purposes. Nothing on the website constitutes final loan approval, a commitment to lend, a guaranteed prequalification, a guaranteed preapproval, legal advice, tax advice, accounting advice, investment advice, a guarantee of financing, a guarantee of interest rates, or a guarantee of loan terms. Consumers should independently evaluate financing options and consult qualified legal, tax, accounting, insurance, or financial professionals when appropriate.
Submitting an inquiry through DigitalZLOC.com does not guarantee mortgage approval, home equity approval, credit approval, a particular loan amount, a particular line of credit, a specific interest rate, a specific monthly payment, property approval, closing, or funding. Final eligibility and approval are subject to applicable underwriting requirements and the decision of the lender or financing provider.
ZipBuy, LLC d/b/a ZipBuy® Home Loans is committed to Equal Housing Opportunity and fair lending. Residential mortgage activities are conducted subject to applicable federal and state fair lending and anti-discrimination requirements, including the Equal Credit Opportunity Act and Fair Housing Act where applicable. We do not discriminate on any basis prohibited by applicable law.
Unless otherwise stated, website content, logos, branding, graphics, text, designs, and related materials are owned by or licensed to ZipBuy, LLC or its affiliated companies. ZipBuy®, ZipBuy® Home Loans, DigitalZLOC, and related names, marks, logos, and branding may constitute trademarks, service marks, trade names, registered marks, or licensed intellectual property. Unauthorized reproduction, distribution, or commercial use is prohibited.
We may update this Privacy Policy, Disclosures & Consumer Notice periodically to reflect changes in law, regulatory requirements, business operations, products, services, technology, and information practices. The effective date displayed at the top identifies the current version.
For questions regarding this Privacy Policy, consumer requests, compliance inquiries, marketing preferences, website concerns, or privacy matters, contact:
ZipBuy, LLC
d/b/a ZipBuy® Home Loans
150 S. Pine Island Road, Suite 300
Plantation, FL 33324
Phone: (888) 693-7001
Corporate Website: www.zipbuy.io
Residential Mortgage Website: www.zipbuyhomeloans.com
Lead Generation Website: www.digitalzloc.com
Email: support@zipbuy.io
Residential Mortgage Licensing
ZipBuy, LLC d/b/a ZipBuy® Home Loans
Company NMLS ID 2522706
Wilguimps Saint Jean
President & CEO
Individual NMLS ID 1890873
Affiliated Company
WSJ Company Holdings, LLC
d/b/a WSJ Brands
Website: www.wsjbrands.com
Email: info@wsjbrands.com