Privacy Policy — Daily Rate News
Effective date: July 16, 2026
1. Who we are
Daily Rate News ("we", "us") is operated by MPD Enterprise LLC. We provide a white-label daily mortgage-market newsletter platform for Loan Officers ("LOs").
Contact: info@minhthelender.com · 657-204-6577 · 10441 Stanford Ave #921, Garden Grove, CA 92842
2. Two different groups of people
This policy covers two distinct groups, and your rights differ depending on which you are:
- Loan Officers — our customers, who hold an account with us. We decide how their account data is handled, so we are the controller of it.
- Newsletter subscribers — people who subscribed to a Loan Officer's newsletter. The Loan Officer decides who is on their list and what is sent. We process that data on their behalf. If you are a subscriber and want your data removed, the fastest route is the unsubscribe link in any email; you may also contact us or the Loan Officer directly.
3. What we collect
From Loan Officers (account holders)
| Data | Why |
|---|---|
| Name, email address | Account identity, sign-in, service emails |
| Password | Stored only as a salted hash — we never see or store your actual password |
| Email verification status | We require a verified email to sign in |
| Profile image URL, brokerage name, logo, brand colour, bio, contact email, contact phone, social links, page slug | Your branded public page. When you publish your page, these become publicly visible — that is the purpose of the feature |
| Session records — including IP address and browser user-agent | Keeping you signed in, and letting you sign out other devices |
| Stripe customer and subscription identifiers, plan status, subscriber cap, trial and first-payment timestamps | Billing and access control |
| Newsletter issues and their content | The product |
| Tags you create for targeting sends | The product |
From newsletter subscribers (on behalf of Loan Officers)
| Data | Why |
|---|---|
| Email address, and name if given | To deliver the Loan Officer's newsletter |
| Subscription status, subscribe/unsubscribe timestamps, and how you subscribed | Proof of consent and honouring opt-outs |
| A unique unsubscribe token | So every email carries a one-click unsubscribe link that works without you logging in |
| Delivery records — that an email was accepted for delivery, and when | Deliverability and audit |
| Tags a Loan Officer applies to you | So they can send to a segment of their list |
What we do not collect
We do not run analytics, advertising pixels, session recording, or any third-party tracking script — none exist in the product. We do not collect income, debt, credit, employment, loan-application, or borrower-qualification data of any kind; the calculators on our pages run entirely in your browser and send nothing to us or anyone else. We are not a CRM and hold no loan files.
4. Cookies
We set exactly two cookies, both first-party and strictly functional:
- A session cookie, so you stay signed in.
drn_pending_plan— a short-lived (1 hour) cookie remembering which plan you picked before signing up, so we can send you to the right checkout afterwards.
There are no advertising, analytics, or cross-site tracking cookies.
5. Who we share data with
We sell your personal information to no one, and we share it only with the service providers who make the product work:
| Provider | What they get | Why |
|---|---|---|
| Amazon Web Services (US, Ohio region) | All application data | Hosting and database |
| Stripe | Loan Officer name, email, and payment details | Payment processing. Card numbers go directly to Stripe — they never touch our servers. We store only Stripe's identifiers |
| Resend | Recipient email address and message content | Email delivery |
We also fetch market and economic-calendar data from a market-data provider. That request contains no personal data — it is only rate and calendar information.
We may disclose information if required by law, or to protect our rights or the safety of others.
6. Retention — including one thing you should know
We keep Loan Officer account data for as long as the account exists.
Suppression records are permanent, on purpose. If you unsubscribe from a Loan Officer's newsletter, we permanently record your email address on that Loan Officer's suppression list. We keep it forever, and there is no way to undo it — because that record is precisely what guarantees you are never emailed again. It is kept for your protection, not for marketing, and is used for nothing else. It is also our evidence that your opt-out was honoured.
7. Security
Data is encrypted in transit (HTTPS) and the database is encrypted at rest and is not reachable from the public internet. Passwords are stored only as salted hashes. Access to production data is limited to the operator, requires multi-factor-protected cloud credentials, and is read-only by default. Card data is never stored by us.
No system is perfectly secure, and we cannot guarantee absolute security.
8. Your rights
If you are in California (CCPA/CPRA), you have the right to know what personal information we hold, to request deletion, to request correction, and not to be discriminated against for exercising those rights. We do not sell or share personal information for cross-context behavioural advertising.
If you are a newsletter subscriber, you can opt out at any time via the unsubscribe link in any email — it works instantly, with one click, and requires no account. You may also email us at info@minhthelender.com.
To exercise any right, contact info@minhthelender.com or 657-204-6577. We will verify your identity before acting. If your request concerns a Loan Officer's subscriber list, we may need to direct it to that Loan Officer, who decides what happens to their list.
9. Children
The service is not directed to anyone under 18, and we do not knowingly collect data from children.
10. Changes
We will post any changes here and update the effective date. Material changes will be communicated to Loan Officers by email.
11. Contact
MPD Enterprise LLC · info@minhthelender.com · 657-204-6577 · 10441 Stanford Ave #921, Garden Grove, CA 92842