Privacy
Policy.

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 homeloanstudio.com, 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. 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.

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.

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 Certainty® 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.

How we collect it

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.

Automatic data collection

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 (traffic data, location data, logs, communication data, resources accessed) and information about your computer and internet connection (IP address, operating system, 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).

The technologies we use may include browser cookies and web beacons (small electronic files that permit Rize Mortgage to count users who have visited pages or opened emails and for other related website statistics).

We use information that we collect about you or that you provide to us:

• 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 carry out our obligations and enforce our rights arising from any contracts between you and us.
• To notify you about changes to our Website or any products or services we offer.
• To allow you to participate in interactive features on our Website.
• To 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, or 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.

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 with mortgage lenders, mortgage brokers, government-sponsored enterprises (such as Fannie Mae and Freddie Mac), governmental agencies (such as the FHA, VA, and USDA), and other third parties which provide services to our consumers, business partners and service providers in our network ("Rize Mortgage Partners") to deliver the products and services you requested. The Rize Mortgage Partners that interact with you may retain or use your information whether or not you use their services.
• 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 are bound by contractual obligations to keep personal information confidential - including credit bureaus, marketing partners, and 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.
• To third parties to market their products or services to you if you have consented to these disclosures.
• To fulfill the purpose for which you provide it.
• In connection with state and/or federal licensing requirements regarding the reporting of information contained in loan inquiries.
• For any other purpose disclosed by us when you provide the information, or with your consent.

We may also disclose your personal information to comply with any court order, law, or legal process; to enforce or apply our Terms of Use and other agreements; or when we believe disclosure is appropriate to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing.

• 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 for Third-Party Advertising. 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 in your user profile or sending an email to corporate@rizemtg.com.
• Targeted Advertising. You can adjust your user settings in your user profile to opt out.

California residents may have additional personal information rights and choices. Please see our California Privacy Policy for more 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 are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more, visit our 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 email corporate@rizemtg.com or write us at: 53 NW 100th Ave, Plantation, FL 33317.

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, passport number, driver’s license number, biometric information, marital status, age, educational background, passwords, 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.

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. 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 periodically visiting our Website and this Privacy Policy to check for any changes.

To ask questions or comment about this Privacy Policy and our privacy practices, please use our contact form or reach the compliance team at corporate@rizemtg.com.