Privacy Policy

Effective Date: January 22, 2026

This Privacy Policy describes how M4 Labs LLC ("M4 Labs," "we," "us," or "our") collects, uses, and discloses your Personal Information when you visit our website at https://m4labs.co (the "Website") or otherwise interact with us.

Our Core Privacy Promise: We do not sell your data. M4 Labs collects your information solely for communicating directly regarding services.

1. Information We Collect

A. Information You Provide Directly

When you voluntarily submit a form on our Website, we may collect the following types of Personal Information:

Names (first and last)
Email addresses
Telephone numbers
Mailing addresses
Estimated credit scores
Loan amounts sought
Property values
Property types

B. Information Collected Automatically

When you visit our Website, we may automatically collect certain technical and usage information, including:

Technical Data: IP addresses, browser types, operating systems, and device types.
Activity Data: Pages visited, time spent on pages, referring URLs, and click patterns.

We use cookies, pixels, and web beacons to analyze traffic, prevent fraud, and improve user experience.

2. How We Use Your Information

We use the Personal Information we collect for the following purposes:

To communicate directly with you regarding the services you requested.
To provide customer service and respond to your inquiries.
For internal analytics to improve our website performance and user experience.
To comply with applicable laws and regulations (including GDPR and US state privacy laws).
To detect and prevent fraud or other unauthorized activities.

3. Disclosure of Information

We do not sell your Personal Information.

We may share your Personal Information only in the following limited circumstances:

Service Providers: We share data with trusted service providers (e.g., CRM systems, email delivery platforms, data hosting, IT support) who are bound by confidentiality agreements and process data solely on our behalf.
Legal Requirements: We may disclose information if required by law, regulation, legal process, or governmental request.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your Personal Information may be transferred as part of that transaction.

Mobile Information: No mobile information will be shared with third parties or affiliates for marketing purposes. Text messaging originator opt-in data will not be shared with any third parties.

4. GDPR Rights (EU/EEA Compliance)

If you are located in the European Union or European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR).

Data Controller

M4 Labs LLC
30 N Gould St Ste R
Sheridan, WY 82801, United States
Email: legal@m4labs.co

Legal Basis for Processing

We process your Personal Information based on one or more of the following legal bases:

Consent: You have given consent by voluntarily submitting your information through our forms.
Legitimate Interest: Processing is necessary for our legitimate interests, such as direct marketing, fraud prevention, and network security, provided these interests do not override your fundamental rights.
Contract: Processing is necessary for the performance of a contract or to take pre-contractual steps at your request.

Data Retention

We retain your Personal Information generally for a period of five (5) years from your last interaction with us, unless a longer period is required by law or necessary for legitimate business purposes.

Your Rights

Under the GDPR, you have the right to:

Access your Personal Information.
Correct inaccurate or incomplete data.
Request deletion of your Personal Information.
Object to or restrict certain types of processing.
Data portability — receive your data in a structured, commonly used format.
Withdraw consent at any time (where processing is based on consent).

To exercise any of these rights, please contact us at legal@m4labs.co.

5. US State Privacy Rights

M4 Labs does not sell Personal Information as defined by the California Consumer Privacy Act (CCPA) or other applicable US state privacy laws.

Depending on your state of residence, you may have the right to:

Know what Personal Information we collect, use, and disclose.
Delete your Personal Information, subject to certain exceptions.
Correct inaccurate Personal Information.
Non-Discrimination for exercising your privacy rights.

To exercise these rights, please contact us at legal@m4labs.co.

6. TCPA Consent & SMS/Text Messaging

By submitting your telephone number on our Website forms, you expressly authorize M4 Labs to contact you regarding your inquiry via telephone calls, SMS, or MMS text messages. You acknowledge and agree that:

Such communications may be generated using an automated telephone dialing system (autodialer) or artificial voice.
You consent to receive these communications even if your telephone number is listed on any corporate, state, or federal "Do Not Call" registry.
Your consent is not a condition of purchase.

SMS Program Terms

Message frequency varies based on your inquiry and interactions.
Message and data rates may apply.
Reply STOP to opt out of text messages at any time.
Reply HELP for assistance or contact legal@m4labs.co.
Supported carriers include: AT&T, Verizon, T-Mobile, Sprint, and most major US carriers.

7. Children's Privacy

Our services are directed to individuals aged 18 and over. We do not knowingly collect Personal Information from children under the age of 18. If you believe a child has provided us with personal data, please contact us immediately at legal@m4labs.co, and we will promptly delete such information.

8. Data Security

M4 Labs implements reasonable administrative, technical, and physical security measures (including SSL encryption) to protect your Personal Information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

M4 Labs LLC
30 N Gould St Ste R
Sheridan, WY 82801, United States
Email: legal@m4labs.co