NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. THESE TERMS AND CONDITIONS GOVERN YOUR USE OF OUR WEBSITE, https://therammp.com/, OUR MOBILE APPLICATION (“MOBILE APP”), ANY PAGES OF THE WEBSITE AND MOBILE APP, AND ANY OTHER ONLINE SERVICES (COLLECTIVELY, REFERRED TO AS THE “SITE”) WHICH ARE PROVIDED BY RAM MORTGAGE PARTNERS, LLC (“RAMMP”). BY ACCESSING THIS SITE, YOU AGREE TO BE BOUND BY THE PRIVACY POLICY BELOW.

BY ACCEPTING THESE PRIVACY POLICY, YOU ALSO AGREE TO OUR TERMS AND CONDITIONS, WHICH ALSO GOVERNS YOUR VISIT TO THIS SITE WHICH IS INCORPORATED BY REFERENCE INTO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE.

PRIVACY POLICY

We follow strict privacy guidelines to ensure that the information you provide to us remains confidential at all times. We take precautions to ensure the safety of your personal information and data. This Privacy Policy applies to the online collection, use, and sharing of personal and other information through the Site.

INFORMATION COLLECTION

Our goal is to gather just enough information to process a home loan, render an approval decision, or market our products – and we collect most of this information from consumers through our Loan Officers, Site, or as part of our application process. Occasionally we gather additional necessary information from public records, credit bureaus, or approved business affiliates and partners. We may also collect personal information about you from the following categories of sources: advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers.

Information You Provide

We collect information about you (“personal information”) and your use of our Site, some of which may not or may not be personally identifiable. Personal information includes “personal information” as defined by the Privacy Act. We collect any information that you provide to us through your access to or use of this Site. This includes, but is not limited to, your personal information such as:

• Real name, alias, unique personal identifier, online identifier, Internet Protocol address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers;
• Signature, physical characteristics or description, state identification card number, insurance policy number, education, employment, employment history, credit card number, or any other financial information, medical information, or health insurance information;
• Characteristics of protected classifications under California or federal law (sex, race, ethnicity, age);
• Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
• Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with the Site or advertisement;
• Audio, electronic, visual, or similar information;
• Professional (or employment) related information;
• Education information;
• Any other information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household; and
• Sensitive personal information, which may include: Social security, driver’s license, state identification card, or passport number; account log-in; financial account number in combination with any required security or access code, password, or credentials allowing access to the account; precise geolocation; racial or ethnic origin; or the contents of mail, email, and text messages between you and other third parties.

INFORMATION USES

We may use the information that we collect from you to:

• Provide you with the services or products that we offer on the Site;
• Respond to your inquiries, requests, or other service-related purposes;
• Communicate with you to administer the Site, including notifying you about any updates, changes, or additions to this Privacy Policy;
• Enhance your experience with us, such as tailoring the Site content to your preferences or developing new products or services based on your interactions with the Site;
• Send you information about products or services that we think may be of interest to you;
• Carry out any specific purposes for which we have obtained your prior consent; or
• Conduct any other legitimate business activities not otherwise prohibited by law.

We may also use your information for business purposes such as:

• Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;
• Helping to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for these purposes;
• Debugging to identify and repair errors that impair existing intended functionality;
• Short-term, transient use, including, but not limited to, non-personalized advertising shown as part of a consumer’s current interaction with the business, provided that the personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with the business;
• Performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of the business;

• Undertaking internal research for technological development and demonstration;
• Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business; or
• Any commercial purposes, including any purpose to advance your commercial or economic interests, such as by inducing you to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction.

INFORMATION DISCLOSURES

We may disclose information about you with relevant and appropriate third parties in the following situations:

• To our service providers that perform functions on our behalf;
• To protect or enforce our rights or property, to protect your safety or the safety of others, or to investigate, prevent, or take action against fraud or other illegal activities;
• In response to legal process or as otherwise required by law;
• In the event that RAMMP experiences a business transition or conducts a corporate transaction requiring due diligence, such as a merger, capital investment, acquisition by another company, or sale of all or a portion of its assets; or
• To conduct any other legitimate business activities not otherwise prohibited by law with advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers.

Notwithstanding anything else in the Privacy Policy, we may disclose aggregate or non-personally identifying information about the users of our Site with third parties for marketing, advertising, research, or other business purposes.

We retain all information in-house except when required to disclose it to our partners as a necessary function of the lending process. Such partners include title and escrow companies, appraisal services, and to a limited extent, our business affiliates and partners. RAMMP does not sell customer information to unaffiliated parties.

We retain information we collect as described in this Privacy Policy for as long as you use our services or as necessary to fulfill the purpose(s) for which it was collected, provide our services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, comply with applicable laws, or to otherwise carry out our legal obligations.

To learn more about our privacy practices relating to your personal financial information, please see our federal Gramm-Leach-Bliley Act (GLBA) Privacy Notice.

INFORMATION SECURITY

The security of your personal information is a top priority at RAMMP. We have taken extensive measures to ensure that only authorized people see the information about you.

Your financial information is not kept on our web server, but on a different computer that is separated from the Internet. Even in the unlikely event that our Site is “hacked”, your data will still remain securely out of reach.

While we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security as no method of transmission over the Internet, or method of electronic storage, is 100% secure.

WEB TECHNOLOGIES

RAMMP uses online tracking technologies, including cookies, web beacons, tags, pixels, and embedded Web links, to help us personalize and improve your Site experience as well as provide you with relevant online advertising.

Cookies

Cookies are small text files that websites store on your computer. They are managed by your particular web browser and are typically used to store bits of text.

RAM Mortgage Partner LLC’s Uses of Cookies

Website Usage

When you browse or visit our Site, we may collect information about your use of our Site through cookies. This information could include your browser type and language, access times, and the address of the Site from which you arrived. They may also collect information about your Internet Protocol (IP) address, click stream behavior (i.e., the pages you view, the links you click, and other actions you take in connection with websites or “powered by” websites or mobile apps), and product information.

We, or our third-party providers, may collect personal information about your online activities over time and across different Sites when you use our Site. For example, we use Google Analytics to generate statistical and other information about the use of our Site by means of cookies. To learn more about Google’s privacy policy, please visit: https://policies.google.com/privacy. You can also learn more about how to opt out of the collection and processing of such information by Google by visiting this website: https://tools.google.com/dlpage/gaoptout.

Web Personalization

Cookies help us to personalize your experience with our Site and improve your navigation within the Site by tailoring our Site to your individual preferences. Cookies help you save time if you visit the Site again. For example, if specific programs associated with our Site require a user ID and password, you have the option of requesting that we save that information so that you will not have to re-enter it the next time you access the Site. You can disallow cookies or prevent them from being set by making the appropriate selection from your browser options. However, if you set your browser options to disallow cookies, you may limit the functionality of our Site.

Behavioral Targeting

Third party advertisers, including Google, may also use cookies to collect non-personally identifiable information from your browser, such as pages you visited, tools you have interacted with, the channel or method in which you arrived on our Site, etc., so that they can tailor the ads you see to your preferences and behaviors. Third party cookies may also track the number of ad impressions, other uses of ad services, and interactions with these ads.

By continuing to browse on our Site, you are consenting to the use of cookies for personalization and advertising purposes. To learn more about this online advertising or to opt-out of this type of advertising, please click on the following links:
http://optout.networkadvertising.org or https://optout.aboutads.info.

For the Mobile App, you can learn more about which third parties have currently enabled cookies for your mobile device and how to opt-out of some of those cookies by accessing the following website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may also select “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android).

LINKS

THE SITE MAY CONTAIN LINKS TO THIRD PARTY WEBSITES. RAMMP DISCLAIMS LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD-PARTY WEBSITES LINKED ON THE SITE. By creating a link to a third-party website, RAMMP does not endorse or recommend any products or services offered or information contained at the website, nor is RAMMP liable for any failure of products or services offered or advertised at those websites. RAMMP may remove any third-party link at any time. Such third party may have a privacy policy different from that of RAMMP, and the third-party website may provide less security than this Site. If you decide to visit a third-party website via a link contained on RAMMP’s Site, you do so at your risk.

AGE RESTRICTIONS

This Site is not intended for use by children or minors. We do not knowingly solicit information from children, and we do not knowingly market to children. Please notify us immediately if you believe that we may have collected personal information from a child under the age of 13 years, so that we can delete such information.

We have no actual knowledge that we have sold any personal information about consumers under 18 years of age.

PRIVACY POLICY CHANGES

RAMMP reserves the right to change, modify, add, or remove portions of this Privacy Policy at any time, but will alert you that changes have been made by indicating below the date the Privacy Policy was last updated. Unless otherwise stated, any modifications to this Privacy Policy will go into immediate effect after they have been posted. Your continued use of this Site indicates your consent to the Privacy Policy posted at the time of use.

HOW TO ACCESS AND UPDATE YOUR INFORMATION

You can access and update the information that you have provided to us as follows:

• If you are a RAM Mortgage Partners, LLC customer, you can access and update certain personal information in connection with your account or application by logging into your account online. 
• You may contact us at info@rammortgagepartners.com and request to review, amend or delete certain personal information collected by us.
• Please note that we may not be able to delete all information we collect through our Website.
• You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less.

CONTACT US

If you have any questions, comments or concerns regarding our Privacy Policy and/or practices, please send an email to: info@rammortgagepartners.com.

RAM Mortgage Partners, LLC.
375 US Highway 206, Flanders, NJ 07836