Privacy Policy

1. Introduction

Rudy Del Rio Loans ("we," "us," or "our") is a DBA of Republic State Mortgage Co., located at 3107 Napier Park, Shavano Park, TX 78231. We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us through SMS text messaging. Please read this policy carefully.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address, and any information you provide through our contact or application forms.
• Financial Information: Information related to your loan inquiry, including income, employment, credit, and property details, when voluntarily provided during the application process.
• Usage Data: Information about how you interact with our website, including IP address, browser type, pages visited, and referring URLs.
• SMS Messaging Data: Your mobile number and the content of text messages you send to and receive from us, including opt-out and help requests.

3. How We Use Your Information

We use the information we collect to:

• Process and respond to your loan inquiries and applications.
• Communicate with you about your loan, including via SMS text messaging.
• Provide customer support and respond to your questions.
• Send service updates, reminders, and account-related notifications.
• Comply with legal, regulatory, and licensing obligations.
• Improve our website, services, and customer experience.

4. SMS Text Messaging & A2P 10DLC Consent

We may send you SMS text messages using Application-to-Person (A2P) messaging through 10DLC (10-digit long code) numbers. By providing your mobile number and consenting (such as by clicking "Submit" on our forms), you agree to receive automated and/or non-automated text messages from Rudy Del Rio Loans and Republic State Mortgage Co. at the number you provided.

Message frequency varies. You may receive messages related to your loan application, appointment reminders, account updates, and promotional offers.

Opt-out: You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. Upon opting out, we will send a single confirmation message confirming your opt-out. You may opt back in at a later time by replying START or by resubmitting your consent through our forms.

Help: For assistance, reply HELP to any message, or contact us using the information provided in Section 10 below.

Carrier disclosures: Message and data rates may apply. We are not liable for any message delivery delays or failures caused by your mobile carrier. Carriers are not liable for delayed or undelivered messages. Your mobile carrier's terms and conditions may apply to your use of SMS messaging.

5. Sharing Your Information

We do not sell your personal information. We may share your information with:

• Service providers and vendors who assist us with SMS delivery, hosting, analytics, and loan processing, under appropriate confidentiality agreements.
• Lenders, investors, and third parties involved in processing or funding your loan application.
• Regulatory and licensing authorities as required by law, including NMLS reporting obligations.
• Parties in connection with a merger, acquisition, or sale of all or a portion of our business.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. SMS messaging records are retained in accordance with applicable A2P 10DLC and carrier requirements.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of your personal information.
• Opt out of the sale or sharing of your personal information.
• Withdraw consent to receive SMS messages at any time by replying STOP.

To exercise any of these rights, contact us using the information in Section 10.

9. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

10. Contact Us

If you have questions about this Privacy Policy, contact us at:

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and revise the "Last updated" date at the top. We encourage you to review this policy periodically.