Policy
Privacy
What we collect, where it goes, and how to get it deleted. Updated November 10, 2026.
The Payoff Letter collects only what you type into a form. We do not run advertising cookies, and we do not sell personal information.
Newsletter
The signup form asks for an email address. We store it so we can send The Brief and Funded. If a name field is present, that is optional.
Deal and advertising forms
Submit a funded deal and Advertise ask for contact details and the substance of the request: lender, loan facts, company, package, and whatever you write in the message. We use that to reply and, if you approve a spotlight, to publish the figures you cleared.
Where it is stored
When the site is configured with Supabase, submissions are written to a private database using a server-side key. That key is not sent to the browser. Row level security is enabled and the public API roles are not granted access. When those environment variables are absent, the server logs the submission and still tells you it was received. Do not put production reader data on a server that is only logging.
A later hook can also send newsletter addresses to beehiiv when BEEHIIV_API_KEY and BEEHIIV_PUBLICATION_ID are set. Until that is turned on, addresses stay in our own store.
Cookies
The site does not set analytics or advertising cookies at launch. A host may set a strictly necessary cookie to run the application.
Retention and deletion
We keep form submissions for as long as we need them to reply, publish an approved spotlight, or meet a record we are required to hold. Email hello@payoffletter.com to access, correct, or delete the address and form contents we have for you. We will confirm when it is done.
Children
This site is for working adults in lending and real estate. We do not knowingly collect information from children.