This Privacy Policy explains how information is collected, used, and protected when you visit rylending.com, register for a workshop, request information, or otherwise communicate through this website or related online forms.
Who we are
This website, rylending.com, is operated by Robert Yi, Mortgage Loan Originator, for the purpose of providing mortgage-related information, educational resources, workshops, and ways for consumers to request additional information.
Information we may collect
We may collect personal information that you voluntarily provide to us, including:
- Your name
- Email address
- Telephone number, if you choose to provide it
- Information submitted through contact forms, registration forms, surveys, or requests for information
- Information you provide when registering for an educational workshop or webinar
For most workshop registrations, we request only the information reasonably necessary to register you and communicate event details.
We may also automatically collect certain technical information when you visit the website, such as your IP address, browser type, device information, referring website, pages visited, and general website activity.
Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Workshop and Webinar Registrations
When you register for a workshop, webinar, or educational event, we may use the information you provide to:
- Confirm your registration
- Send your Zoom or event-access information
- Send reminders about the event
- Provide worksheets, guides, or other materials associated with the event
- Respond to questions or requests you make
- Send reasonable follow-up information related to the subject of the workshop
You may unsubscribe from non-essential marketing emails at any time by using the unsubscribe link included in those emails.
Meta/Facebook and Instagram Lead Forms
We may use lead-generation forms provided by Meta Platforms, Inc., including Facebook and Instagram.
If you submit information through a Meta lead form, Meta may provide the information you voluntarily submit to us, such as your name and email address.
We may use that information to register you for a workshop, provide information you requested, communicate with you regarding the event, and provide related follow-up information.
Your use of Facebook and Instagram is also subject to Meta’s own privacy policies and terms.
Email Service Providers
We may use third-party email and marketing platforms, including AWeber, to manage workshop registrations, email confirmations, reminders, educational communications, and subscriber preferences.
Information such as your name and email address may therefore be securely processed and stored by these service providers on our behalf.
We do not authorize these service providers to use your personal information for their own independent marketing purposes.
Zoom and Online Events
Workshops and webinars may be conducted using Zoom or another online meeting provider.
If you participate in an online event, information you provide directly to the meeting provider may also be subject to that provider’s privacy policy and terms of service.
How We Use Your Information
We may use information collected through this website or related forms to:
- Provide information or services you request
- Register you for workshops and educational events
- Send confirmations, reminders, and event materials
- Respond to questions
- Provide educational mortgage and home-equity information
- Improve the website and user experience
- Measure the effectiveness of advertising and educational campaigns
- Maintain security and prevent fraud or misuse
- Comply with applicable legal and regulatory requirements
We do not use workshop registration information to make credit decisions.
Mortgage Inquiries and Applications
Information submitted through a workshop or general contact form is not intended to constitute a mortgage loan application.
If you later choose to apply for mortgage financing, additional personal and financial information may be requested through secure systems. Additional privacy notices, disclosures, and protections required by applicable federal and state law may apply to that information.
This website Privacy Policy does not replace any privacy notice that may be required in connection with an actual mortgage loan application or financial transaction.
Cookies and Similar Technologies
This website may use cookies and similar technologies to help the website operate, understand how visitors use the site, remember preferences, and measure advertising effectiveness.
Cookies may collect information such as:
- Browser and device information
- Pages viewed
- Approximate location based on IP address
- Referring websites
- Interaction with advertisements or website pages
You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect how some website features function.
Analytics and Advertising Technologies
We may use third-party analytics and advertising technologies, including tools provided by Meta and other service providers.
For example, the Meta Pixel or similar technology may be used to understand whether someone who viewed or clicked an advertisement later visited our website or completed a particular action.
These technologies may use cookies or similar identifiers to measure activity and improve advertising performance.
Information collected by third-party platforms is also governed by those platforms’ respective privacy policies.
Embedded Content From Other Websites
Pages on this website may include embedded content such as videos, images, maps, or other materials.
Embedded content from another website generally behaves as though you visited that website directly. Those third parties may collect information, use cookies, or track your interaction with their content in accordance with their own privacy policies.
How We Share Information
We may share personal information with service providers when reasonably necessary to operate our website, conduct workshops, communicate with registrants, or provide requested services.
These may include:
- Email and marketing service providers
- Webinar and video-conferencing providers
- Website hosting providers
- Advertising and analytics platforms
- Technology and security service providers
- Mortgage service providers when you specifically request mortgage assistance
We do not sell your personal information to third parties for their independent marketing purposes.
We may also disclose information when required by law, legal process, governmental request, or when reasonably necessary to protect our rights, users, or systems.
How Long We Retain Information
We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including providing requested services, maintaining appropriate business records, complying with legal obligations, and resolving disputes.
Workshop registration and email subscriber information may be retained until you unsubscribe, request deletion when applicable, or the information is no longer reasonably needed.
Certain information may be retained longer when required by law or applicable mortgage-industry recordkeeping requirements.
Your Choices and Rights
Depending on where you live and applicable law, you may have the right to request information about personal data we maintain about you, request corrections, request deletion of certain information, or withdraw consent to certain communications.
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link provided in the email.
Requests regarding your personal information may be sent using the contact information below.
Certain records may need to be retained when required by law, regulation, contractual obligation, or legitimate business recordkeeping requirements.
Information Security
We use reasonable administrative and technical measures intended to protect personal information from unauthorized access, disclosure, alteration, or misuse.
However, no internet transmission or electronic storage system can be guaranteed to be completely secure.
Please do not send sensitive information such as Social Security numbers, bank account information, passwords, or detailed financial records through ordinary website contact forms or email unless specifically instructed to use a secure method.
Children’s Privacy
This website and its services are intended for adults and are not directed toward children under the age of 13.
We do not knowingly collect personal information from children under 13 through this website.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our services, technologies, legal requirements, or business practices.
The date shown at the top of this page indicates when the policy was most recently updated.
Contact Us
If you have questions about this Privacy Policy or would like to make a request concerning your personal information, please contact:
Robert Yi
Mortgage Loan Originator
Website: https://rylending.com
Email: robert@rylending.com