Privacy Policy

 

Protecting your private information is our priority. This Statement of Privacy applies to www.ruuliomortgage.com and Ruulio Mortgage and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Ruulio Mortgage include www.ruuliomortgage.com, Ruulio and www.floridahardmoneymortgage.com. The Ruulio website is a Mortgage Company site. By using the Ruulio website, you consent to the data practices described in this statement.

 

Privacy Compliance Certification

Ruulio has The OneTrust Certification Program certification.

 

Ruulio Financial Group, Inc. DBA Ruulio Mortgage – Company NMLS #1687482 – Equal Housing Opportunity Provider

 

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, Ruulio may collect personally identifiable information, such as your:

 

 

  First and Last Name

 

 

  Mailing Address

 

 

  E-mail Address

 

 

  Phone Number

 

 

  Employer

 

 

  Job Title

 

 

  We Collect Online Mortgage Applications or a 1003 Application

 

 

If you purchase Ruulio’s products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.

 

Ruulio may also collect anonymous demographic information, which is not unique to you, such as your:

 

 

  Age

 

 

  Gender

 

 

  Race

 

 

  Religion

 

 

  Political Affiliation

 

 

  Household Income

 

 

  All the Demographic Information Requested by HMDA and HOEPA as applicable

 

 

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

 

Use of your Personal Information

Ruulio collects and uses your personal information to operate its website(s) and deliver the services you have requested.

 

Ruulio may also use your personally identifiable information to inform you of other products or services available from Ruulio and its affiliates.

 

Sharing Information with Third Parties

Ruulio does not sell, rent or lease its customer lists to third parties.

 

Ruulio may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Ruulio, and they are required to maintain the confidentiality of your information.

 

Ruulio may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Ruulio or the site; (b) protect and defend the rights or property of Ruulio; and/or (c) act under exigent circumstances to protect the personal safety of users of Ruulio, or the public.

 

Tracking User Behavior

Ruulio may keep track of the websites and pages our users visit within Ruulio, in order to determine what Ruulio services are the most popular. This data is used to deliver customized content and advertising within Ruulio to customers whose behavior indicates that they are interested in a particular subject area.

 

USER Movement on the website

 

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Ruulio. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Ruulio website.

 

Use of Cookies

The Ruulio website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

 

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Ruulio pages, or register with Ruulio site or services, a cookie helps Ruulio to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Ruulio website, the information you previously provided can be retrieved, so you can easily use the Ruulio features that you customized.

 

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Ruulio services or websites you visit.

 

Security of your Personal Information

Ruulio secures your personal information from unauthorized access, use, or disclosure. Ruulio uses the following methods for this purpose:

 

 

  SSL Protocol

 

 

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

 

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

 

Children Under Thirteen

Ruulio does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

 

E-mail Communications

From time to time, Ruulio may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Ruulio or click on a link therein.

 

If you would like to stop receiving marketing or promotional communications via email from Ruulio, you may opt out of such communications by Choose the “unsubscribe” option in any marketing email sent by Ruulio Mortgage.

 

Changes to this Statement

Ruulio reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

 

Contact Information

Ruulio welcomes your questions or comments regarding this Statement of Privacy. If you believe that Ruulio has not adhered to this Statement, please contact Ruulio at:

 

Ruulio Mortgage

601 Brickell Key Drive, STE. 721

Miami, Florida 33131

 

Email Address:

help@ruulio.com

 

Telephone number:

(800) 431-4832

 

Effective as of March 25, 2018

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