This Privacy Policy applies to your interactions with Riajan Mortgage Company or any of its wholly-owned subsidiaries (collectively referred to as “we” or “us”). We operate the website https://www.riajanmortgage.com/ and related mobile applications for the solicitation, origination, servicing, and sale of mortgage loans (hereafter referred to as the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms of Use.

Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you. Types of data collected include:

• Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personal Data may include, but is not limited to, your email address, first name and last name, phone number, address, state, province, ZIP/postal code, city, social security number, employment information, financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business, and cookies and usage data.

• Usage Data: We may also collect information that your browser automatically sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

• Location Data: We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.

• Tracking & Cookies Data: We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. This includes the use of pixels, or transparent GIF files, provided by our ad management partners, such as Google Analytics, Facebook, and TikTok Pixel. These files enable our partners to recognize a unique cookie on your web browser, which in turn enables us to learn which advertisements bring users to our Service.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

• Email address;

• First name and last name;

• Phone number;

• Address, State, Province, ZIP/Postal code, City;

• Social Security Number;

• Employment information;

• Financial information such as your income, assets, and liabilities, as well as information about your savings, investments, insurance, and business; and

• Cookies and Usage Data.

We may also collect this information from a wide range of other sources to provide you the Service. These sources may include, among others, employers, attorneys, banks, title insurers, insurance companies, and credit reporting agencies.

Usage Data

We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”).

Location Data

We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Use of Data

We use the collected data for various purposes:

• To provide and maintain our Service;

• To notify you about changes to our Service;

• To allow you to participate in interactive features of our Service when you choose to do so;

• To provide customer support;

• To gather analysis or valuable information so that we can improve our Service;

• To monitor the usage of our Service;

• To detect, prevent and address technical issues.

Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

Disclosure of Personal Data

Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

Service Providers

We may employ third-party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services, or assist us in analyzing how our Service is used.

Security of Data

The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Behavioral Remarketing

We use remarketing services to advertise on third-party websites to you after you visited our Service.

Please note that this Privacy Policy may not cover your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at:

• By email: [email protected]

• By phone number: 888-326-0285

• By mail: 150 SE 2nd Ave. Suite 300, Miami, FL 33131

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click a third-party link, you will be directed to that third-party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

California Privacy Rights

California residents have the right to request information from us regarding the manner in which we share certain categories of your Personal Data with third parties, for the third parties’ direct marketing purposes. California law also permits you to request a disclosure of the categories of Personal Data we have collected about you, and the categories of sources from which we collected the Personal Data.

Nevada Privacy Rights

Nevada residents have certain rights related to their personal information under Nevada law. These rights include the right to opt-out of the sale of your personal information, if applicable, among others.

Do Not Track Signals

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.

Please note, we do not share your Personal Data with third parties for their direct marketing purposes unless you provide us with consent to do so. If you have any questions about this Privacy Policy or our practices, please contact us.

This policy is provided by Riajan Mortgage, LLC. Please allow up to four weeks to process your opt-out request. You do not need to notify us if you have decided not to opt out. If at a later time you wish to change these opt-out instructions, please contact our customer service department at 888-326-0285.