Privacy Policy

Last Updated and Effective: March 16, 2023

Introduction

Standard Mortgage Capital, LLC dba Rize Mortgage ("Rize Mortgage," "we," “us,” or “our”) respects your privacy and is committed to protecting your information through our compliance with this Privacy Policy (“Policy”).

This Policy describes the types of information we may collect from you or that you may provide when you visit www.rizemtg.com and all websites owned, operated, and maintained by Rize Mortgage, its affiliates and/or partners on which this Policy is displayed (such websites referred to hereafter as our "Website" or “Site(s)”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect:

From this Website.
In email, text, and other electronic messages between you and this Website.
Through web videos, such as Zoom, where there is interactive exchange.
Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Policy.
From data integrations with specific vendors.

It does not apply to information collected by:

Us offline or through any other means, including on any other website operated by Rize Mortgage that does not display this Policy or any third party; or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features, register on the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at this link to our contact page.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

By which you may be personally identified, such as name, postal address, e-mail address, telephone number, mobile number, social security number or any other identifier by which you may be contacted online or offline ("personal information");
Related to making a pre-approval loan decision, including, but not limited to, your income, assets, credit card debt, payment history, and other outstanding loans;
Related to obtaining approval under Fannie Mae’s Day 1 Certaintyâ program, including, but not limited to, bank account and other asset information;
That is about you but individually does not identify you, such as your age, marital status and race or ethnic origin; and/or
About your internet connection, the equipment you use to access our Website, and usage details.

We may also collect some of the above type of information from you about others, such as co-borrowers.

We collect this information:

Directly from you when you provide it to us via an online form, over the phone, text, video conference, or via other means through which you interact with our services.
Automatically as you navigate through the Site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
From third parties, for example, our business partners and service providers, including mortgage lenders and mortgage brokers, income verification providers and credit bureaus who may have data on your financial profile or other demographic information.

Information You Provide to Us

The information we collect on or through our Website may include:

Information that you provide by filling in forms on our Website. This includes information provided at the time of registering for an account when using our Website and subscribe to our service. We may also ask you for information when you report a problem with our Website.
Records and copies of your correspondence (including email addresses), if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Website and of the fulfillment of your requests. You may be required to provide financial information before placing a request through our Website.
Your search queries on the Website.
Information that you provide through web video interactions.

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are transmitted to others at your own risk. Although we limit access to certain pages and/or information, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click here for information on how you can opt out of behavioral tracking on this Website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.

The information we collect automatically may include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Improve the functionality of our Website.
Store information about your preferences, allowing us to customize our Website according to your individual interests.
Speed up and improve your searches.
Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Rize Mortgage, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
To deliver the information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To enable our business partners, lenders and/or brokers that subscribe to our service to compete for your business and offer you the best loan terms available based on the information or data that you provide to us, whereupon we will charge them for the lead to your business once you select that partner, lender or broker.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.
To notify you about changes to our Website or any products or services we offer or provide though it.
To allow you to participate in interactive features on our Website.
Improve customer service.
Personalize and improve your user experience.
Manage our business operations.
To identify your location so that we may provide mortgage lenders that service your location with your information and enable you to obtain the best rates and other terms for a mortgage loan.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user settings in your account profile. For more information, see Choices About How We Use and Disclose Your Information.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

To our subsidiaries and affiliates.
To Rize Mortgage Partners: In submitting an inquiry or using another service provided through the Website, you agree that Rize Mortgage may share information about you or provided by you with mortgage lenders, mortgage brokers, government-sponsored enterprises, such as the Federal National Mortgage Association (FNMA), commonly known as Fannie Mae, and the Federal Home Loan Mortgage Corporation (FHLMC), commonly known as Freddie Mac, governmental agencies, such as the Federal Housing Administration (FHA), U.S. Department of Veterans Affairs (VA), and the U.S. Department of Agriculture (USDA), which may guaranty your loan, and other third parties which provide services to our consumers, business partners and service providers in our network (collectively, "Rize Mortgage Partners") to deliver the products and services you requested. PLEASE NOTE: The Rize Mortgage Partners that interact with you may retain or use your information whether or not you use their services. You should contact these Rize Mortgage Partners directly concerning their privacy and information sharing practices. Pursuant to the contracts between Rize Mortgage and its Rize Mortgage Partners, if you select a Rize Mortgage Partner through a Rize Mortgage Website or a partner selects you, Rize Mortgage may also receive information about you from that Rize Mortgage Partner including, but not limited to, the terms, amount or disposition of your loan. Rize Mortgage and its Rize Mortgage Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. Rize Mortgage may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
To Rize Mortgage Service Providers: We may share information with service providers, contractors and other third parties that perform certain services on our behalf and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them, including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Rize Mortgage's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Rize Mortgage about our Website users is among the assets transferred.
To third parties to market their products or services to you if you have consented to these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information.
To fulfill the purpose for which you provide it. For example, if you give us an email address or mobile telephone number to invite or refer a friend to view our Website and use our services or invite another person to join you as a co-applicant on a mortgage application, we will transmit the contents of that email or text and your email address to the recipients.
In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize Rize Mortgage to obtain any and all required information from the Rize Mortgage Partners that have interacted with you in order for Rize Mortgage to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
To enforce or apply our terms of use and other agreements, if any.
When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of Rize Mortgage's business, our users, our employees, or others; or to enforce our Site's terms and conditions or other agreements or policies. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this Site may then be inaccessible or not function properly.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by checking the relevant box located in your user profile.
Promotional Offers from Rize Mortgage. If you do not wish to have your contact information used by Rize Mortgage to promote our own or third parties' products or services, you can opt-out by checking the relevant box located in your user profile or by sending us an email stating your request to corporate@rizemtg.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions.
Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by adjusting your user settings in your user profile. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at corporate@rizemtg.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit CCPA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS.

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to corporate@rizemtg.com or write us at: 53 NW 100th Ave Plantation, Fl 33324

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and information concerning your financial account information, social security number or other national or local government identifier, passport number, driver’s license number, race or ethnic origin, trade union membership, social welfare status, biometric information, marital status, age, educational background, passwords or other security credentials, income and tax returns will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our Policy to post any changes we make to our Privacy Policy on this page with a notice that the Policy has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you through a notice on the Website home page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.

Contact Information

To ask questions or comment about this Privacy Policy and our privacy practices, click this link to our contact page.