At Ridge Lending Group ("Company," "we," "our," or "us"), we value your trust and are committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information. It applies to all information collected through our website, mobile applications, and any other services we offer (collectively, the "Services").
Information We Collect
We may collect the following types of information from you:
1. Personal Information. This includes:
- Name, address, phone number, and email address.
- Social Security number, date of birth, and other identifiers necessary for mortgage applications.
- Employment details, income, and financial information.
- Credit history and credit score.
- Property details and loan preferences.
2. Non-Personal Information. This includes:
- Browser type, device type, and operating system.
- IP address and geolocation data.
- Usage data, such as pages viewed and time spent on our website.
How We Use Your Information
We use your information to:
- Process mortgage applications and provide related services.
- Verify your identity and prevent fraud.
- Communicate with you about your application, account, or services.
- Improve our services and develop new offerings.
- Comply with legal and regulatory requirements.
How We Share Your Information
We do not sell your personal information. However, we may share it with:
1. Service Providers. We work with third-party companies to perform services on our behalf, such as credit reporting agencies, payment processors, and IT support providers.
2. Affiliates and Partners. We may share your information with trusted affiliates or partners to provide additional services you request.
3. Legal and Regulatory Compliance. We may disclose your information to comply with applicable laws, regulations, or legal processes, or to protect the rights and safety of our company and others.
4. Business Transfers. In the event of a merger, sale, or acquisition, your information may be transferred as part of the transaction.
Your Privacy Choices
You have the right to:
- Access the personal information we hold about you.
- Request corrections to your personal information.
- Opt-out of certain uses of your information, such as marketing communications.
- Request that we delete your personal information, subject to legal and contractual obligations.
To exercise these rights, please contact us at clientsuccess@ridgelendinggroup.com
How We Protect Your Information
We use industry-standard security measures to protect your personal information, including:
- Encryption of sensitive data.
- Regular security audits and monitoring.
- Secure access controls to limit unauthorized access.
However, no system is completely secure, and we cannot guarantee absolute security of your information.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to improve your experience on our website. These may collect non-personal information about your browsing habits. You can manage your cookie preferences through your browser settings.
Children's Privacy
Our services are not intended for children under 18, and we do not knowingly collect personal information from them. If we learn that we have collected information from a child under 18, we will delete it promptly.
Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party websites you visit.
Updates to This Policy
We may update this Privacy Policy from time to time. The updated version will be indicated by an "Effective Date" at the top of this page. We encourage you to review this policy periodically to stay informed.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Clientsuccess@ridgelendinggroup.com
By using our services, you acknowledge that you have read and understood this Privacy Policy. Thank you for trusting Ridge Lending Group with your personal information.
