1. Overview
Rincon Mortgage Team ("we," "us," or "our") is committed to protecting the privacy of our clients, prospective clients, and website visitors. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you interact with our services, visit our website, or receive communications from us, including SMS/text messages.
By providing your personal information to us, using our services, or opting in to receive our communications, you acknowledge that you have read and understood this Privacy Policy.
2. Information We Collect
Information You Provide Directly
- Full name, email address, phone number, and mailing address
- Mortgage inquiry details (loan type, property information, purchase timeline)
- Financial information you voluntarily submit (income range, credit profile, employment status)
- Communication preferences and consent records
Information Collected Automatically
- Device information (browser type, operating system, device identifiers)
- Usage data (pages visited, time spent, referring URLs)
- IP address and approximate geographic location
- Cookies and similar tracking technologies (see Section 8)
Information from Third Parties
- Publicly available information from real estate listings and public records
- Information from business partners, referral sources, and lead generation platforms where you have provided consent
3. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your inquiries and provide mortgage-related information and services
- To send you marketing and promotional communications, including via SMS/text message, with your prior express written consent
- To personalize your experience and deliver content and offers relevant to your interests
- To improve our website, services, and customer experience
- To comply with legal obligations, enforce our terms, and protect our rights
- To maintain internal records and business analytics
4. SMS & Text Messaging Policy
Consent & Opt-In
By providing your mobile phone number and opting in, you consent to receive marketing and promotional text messages from Rincon Mortgage Team. Consent is not a condition of purchase or service. Message frequency may vary. Message and data rates may apply.
What Messages You Will Receive
If you opt in to our SMS program, you may receive text messages related to:
- Mortgage rate updates and market information
- Promotional offers, special programs, and lending opportunities
- Company news, event invitations, and educational content
- Reminders and follow-ups related to your mortgage inquiry
How to Opt Out
You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. You may also text HELP for assistance. After opting out, you will receive a one-time confirmation message and no further marketing texts will be sent to that number.
No Sharing of SMS Data
We do not sell, rent, lease, or share your phone number or any information collected through our SMS program with third parties or affiliates for their own marketing purposes. Your opt-in data and consent status will not be shared with any third parties except as required to deliver the messaging service (e.g., our SMS platform provider) or as required by law.
Message Frequency & Charges
Message frequency varies based on your interactions and campaign schedules. Standard message and data rates from your wireless carrier may apply. Rincon Mortgage Team is not responsible for any charges incurred from your carrier.
Supported Carriers
Our SMS program is supported by all major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
6. Data Security
We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit, access controls, and regular review of our security practices.
While we take reasonable steps to protect your information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security of your data.
7. Your Rights & Choices
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal retention requirements
- Opt-Out of Marketing: Unsubscribe from marketing emails by clicking "unsubscribe" in any email, or opt out of SMS by replying STOP
- Do Not Sell: We do not sell personal information. If applicable state law grants you additional rights, you may contact us to exercise them
To exercise any of these rights, please contact us using the information provided in Section 11 below.
California Residents
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information is collected, the right to delete, and the right to opt out of the sale of personal information. We do not sell personal information as defined by the CCPA/CPRA.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information promptly.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our services after any changes constitutes your acceptance of the updated policy.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Rincon Mortgage Team
Email: privacy@thirdcl.com
Phone: (630) 855-4356
For SMS-specific inquiries, you may also text HELP to the number from which you received a message.