Privacy Policy

1. Scope and Applicability

This Privacy Policy applies to RyanStewart Homelending LLC ("RyanStewart Homelending LLC," "we," "us," or "our") and governs the collection, use, and disclosure of personal information submitted by individuals ("you") in connection with our SMS text message notification program and related mortgage lending services.

This policy specifically addresses personal information collected for the purpose of delivering transactional and informational text message communications to borrowers and loan applicants who have provided consent to receive such messages.

2. Information We Collect

In connection with our SMS notification program and mortgage services, we may collect the following categories of personal information:

• Contact Information: Full name, mailing address, email address, and mobile phone number
• Loan Application Data: Loan application identifiers, loan type, application status, and related transaction references
• Communication Preferences: Opt-in and opt-out status for SMS notifications, preferred contact methods, and notification history
• Financial Information: Information provided in connection with a mortgage loan application, including income, employment, and credit-related data (subject to applicable federal and state disclosure requirements)
• Device and Technical Data: Mobile carrier information, message delivery status, and associated timestamps (collected automatically through SMS delivery infrastructure)

We collect information directly from you when you submit a loan application, contact us for assistance, or otherwise provide your information in connection with mortgage lending services.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To send transactional and informational text messages regarding the status of your mortgage application
• To deliver appointment reminders, document request notifications, and closing-related alerts
• To process, underwrite, and service your mortgage loan application
• To comply with applicable federal and state laws and regulations, including those governing mortgage lending
• To maintain records of your consent to receive SMS communications
• To respond to inquiries, support requests, and opt-out or HELP requests submitted via SMS
• To improve our communication practices and ensure message deliverability

4. We Do Not Sell Your Data

RyanStewart Homelending LLC does not sell, rent, lease, or otherwise transfer your personal information to third parties for monetary or other valuable consideration for their own marketing or commercial purposes.

We do not share your mobile phone number or SMS opt-in data with third parties for their independent marketing use. Your consent to receive SMS communications is maintained solely for the purpose of delivering account-related notifications from RyanStewart Homelending LLC.

5. Data Sharing and Service Providers

We may share your personal information with third-party service providers who assist us in delivering our services. These providers are authorized to use your data only as necessary to perform services on our behalf and are contractually obligated to protect your information. Categories of service providers may include:

• SMS Delivery Platforms: We utilize Twilio, Inc. and similar telecommunications infrastructure providers to transmit text messages. Your mobile number and message content are processed by these platforms solely for delivery purposes.
• Customer Relationship Management (CRM) Systems: We use CRM platforms to manage borrower communications, track application status, and record consent preferences.
• Loan Origination Systems: Software platforms used to process, underwrite, and manage mortgage applications may receive relevant application data.
• Regulatory and Legal Compliance: We may disclose information as required by law, court order, or regulatory authority, including applicable federal mortgage lending regulators.

All service providers are subject to confidentiality obligations and are prohibited from using your information for any purpose other than providing services to RyanStewart Homelending LLC.

6. SMS Messaging and Mobile Data

When you provide your mobile phone number and consent to receive text messages, the following applies:

• Your mobile number will be used exclusively to deliver transactional and informational notifications related to your mortgage account or application
• We will retain a record of your opt-in consent, including the date, time, and method of consent
• You may opt out at any time by replying STOP to any message; upon doing so, your number will be removed from our active messaging list
• Standard message and data rates may apply according to your wireless carrier plan
• We do not share your mobile number with third parties for their own marketing purposes

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with applicable legal and regulatory obligations, and resolve disputes. Specifically:

• Mortgage loan application records are retained in accordance with applicable federal and state recordkeeping requirements, which generally require retention for a minimum of three (3) years from the date of application
• SMS consent records (opt-in and opt-out confirmations) are retained for a minimum of four (4) years from the date of consent or revocation
• Message delivery logs and communication records are retained as required by applicable telecommunications and lending regulations

When information is no longer required for these purposes, it is securely deleted or anonymized in accordance with our data management practices.

8. Data Security

RyanStewart Homelending LLC implements reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures are appropriate to the sensitivity of the information and the nature of our operations as a licensed mortgage lender.

While we take reasonable steps to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of any information transmitted to or stored by us.

9. California Consumer Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with the following rights regarding your personal information:

• Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for collection, and the categories of third parties with whom we have shared it.
• Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions (such as information required for legal compliance or to complete a transaction).
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you.
• Right to Opt-Out of Sale or Sharing: We do not sell or share personal information for cross-context behavioral advertising. No opt-out is required, but you may submit a request to confirm this practice.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your rights under the CCPA.

To exercise any of these rights, please submit a verifiable consumer request to us using the contact information provided below. We will respond to verified requests within forty-five (45) days as required by law.

Please note: Some personal information we collect may be exempt from certain CCPA provisions to the extent it is subject to the Gramm-Leach-Bliley Act (GLBA) or other applicable federal financial privacy laws.

10. Children's Privacy

Our SMS notification program and mortgage services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a person under 18, please contact us immediately and we will take steps to delete such information.

11. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically. Continued use of our SMS program following notice of changes constitutes acceptance of the revised policy.

12. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

RyanStewart Homelending LLC
Attn: Privacy Compliance
New Jersey
Phone: (908) 343-5480
Email: [email protected]