Privacy Policy

Ralo ("Ralo," "we," "us," or "our") values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with our website and related services (collectively, the "Site"). The term "Personal Information" refers to information that identifies you personally, alone or in combination with other information available to us. Depending on how you use the Site, that may include your name, email address, phone number, chat submissions, uploaded loan estimate documents, and information you provide when asking for mortgage-related information.

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you access or use the Site or submit information to or through the Site, you consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of personal information through this Site:

Information You Volunteer

We collect the personal information you and others knowingly and voluntarily provide when you use this Site. Depending on the form, feature, or service you use, that may include:

• Name
• Phone number
• Email address
• Messages you send through contact forms or chat
• Uploaded Loan Estimate or similar comparison documents
• Property, loan, income, debt, and credit-range information you choose to enter for quotes or comparisons
• Newsletter subscription preferences and marketing consent choices

When you use chat or message features on the Site, those communications may be recorded, stored, and processed by Ralo and its service providers to respond to your request, improve service quality, maintain records, and support security and compliance.

Automatically Collected Data

We may collect information about your use of the Site automatically that may identify your computer or device through cookies and analytics tools, such as IP address, device type, browser information, approximate location, pages viewed, interactions, and similar usage data.

A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website or use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.

We may use "session cookies" or "persistent cookies." Session cookies are temporary and expire once you close your browser or once your session ends. Persistent cookies remain on your device for much longer or until you or your browser erase them. Persistent cookies have varying durations that are dependent on their expiration date.

We may also use third-party analytics and product-improvement tools, such as PostHog, to understand how visitors use the Site. For U.S. visitors, privacy-conscious product analytics may be enabled by default, and you can turn them off through the Site's Privacy Choices control. We do not use analytics choices to limit essential site functionality.

Cookies help us improve the Site by providing us with information about which parts of the Site are most popular, enabling us to analyze technical and navigational information about Site, and helping us to detect and prevent fraud. We also use cookies and similar technologies to remember preferences and improve your experience with the Site. Technologies required for security, routing, form submission, preference storage, and fraud prevention are always enabled. If we use cookies, pixels, or similar technologies for targeted advertising or activity that is treated as a sale or sharing under applicable U.S. state privacy law, we will provide the required opt-out mechanism.

Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user's computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site.

2. How We Use Your Information

Generally, we use the Personal Information we collect through this Site:

• to provide the information, products and services you request;
• to better understand your needs and interests;
• to provide you with a personalized experience when you use this Site;
• to provide you with effective customer service;
• to improve the Content, functionality and usability of this Site;
• to contact you with information and notices related to your use of this Site;
• to contact you with special offers and other information we believe will be of interest to you;
• as we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal and regulatory processes; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain;
• to enhance security, prevent and detect fraud or illegal activities, and maintain service integrity;
• for our other business purposes, such as data analytics, audits, developing new services, identifying Site usage trends and for archival and backup purposes in connection with the provision of the Site; and
• for any other purpose identified in any other notice or agreement between you and us.

Terms and Conditions

If you separately opt in to text messages, we may use SMS to respond to your request, confirm appointments, send reminders, or provide updates. The following terms apply to any SMS program we make available:

1. You can cancel the SMS service at any time. Just text "STOP". After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
2. If you are experiencing issues with the messaging program you can reply with the keyword "HELP" for more assistance, or you can get help directly at hello@ralo.com.
3. Carriers are not liable for delayed or undelivered messages.
4. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
5. If you have any questions regarding privacy, please read our Privacy Policy.

3. Sharing of Information

We may share your information in the following situations:

Service Providers

We disclose your personal information to our service providers to perform the functions for which we engage them. For example, we may use third-party vendors to host the Site, assist us in providing functionality on the Site, store inquiry submissions, manage email communications, process uploaded documents, or support website analytics.

Legal Obligations

We may disclose information if required by law, regulation, or legal process, such as to respond to a subpoena, binding order of a data protection agency, or governmental request. We may also share information as needed to enforce our rights, protect our property, or protect the rights, property, or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We may further share information as required to pursue available remedies or limit damages we may sustain.

Business Transfers

In the event of a corporate transaction, such as a merger, acquisition, divestiture, consolidation, sale of assets or in the unlikely event of bankruptcy, your information may be transferred as part of that transaction.

We do not share your personal information with third parties for those third parties' direct marketing purposes.

4. Your Choices and Rights

• Opt-Out: You can opt out of receiving emails from us at any time by clicking the "unsubscribe" link in any email or by contacting us at hello@ralo.com.
• Data Deletion: If you would like to remove your email address from our records, please contact us at hello@ralo.com.
• Cookie Preferences: You can manage cookie settings in your web browser. See Section 1 above for additional details.

5. Do Not Track

Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.

6. Children

Our Site is not directed to or designed to attract children under the age of 13. We do not knowingly collect or maintain personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information. If you believe we may have collected information from a child under 13, please contact us at hello@ralo.com.

7. Data Security

We implement reasonable security measures to protect your information from unauthorized access, use, or disclosure. However, no method of data transmission over the internet is completely secure.

8. Third-Party Links

Our Site may contain links to third-party websites and online services. Any access to and use of such third-party websites or online services is not governed by this Privacy Policy, but is instead governed by the privacy policies of those third-party websites or online services. We are not responsible for the privacy practices of such third-party websites or online services.

9. Supplemental Notice to Residents of Certain States

Residents of certain states may have additional rights with respect to the Personal Information Ralo collects about them. This section is intended to supplement this Privacy Policy where state privacy laws apply, including Texas and other state privacy laws that may apply to our processing activities.

Any terms not defined in this section have the same meaning as defined under applicable state privacy law. Subject to certain exceptions, eligible residents may have rights that include:

• Right to Know/Access: You have the right to confirm whether Ralo processes your Personal Information and access such Personal Information. You also have the right to obtain your Personal Information in a readable format.
• Right to Correct: You have the right to request that Ralo correct inaccuracies in your Personal Information, taking into account the nature of the Personal Information and the purposes of the processing of your Personal Information.
• Right to Delete: You have the right to request that Ralo delete the Personal Information you have provided to us or that Ralo has otherwise obtained about you.
• Right to Opt Out: You have the right to opt out of the processing of your Personal Information for the purposes of (i) targeted advertising, (ii) the sale of your Personal Information and (iii) profiling in furtherance of decisions.
• Right to Appeal: You have the right to appeal Ralo's decision with regard to your request to exercise any rights described herein. You also have the right to not face retaliation or discrimination for exercising these rights.

You may exercise the rights described above by sending us an email at hello@ralo.com.

10. Changes to This Policy

The effective date of this Privacy Policy is set forth at the top of this page. We may update this Privacy Policy from time to time. Any changes will be posted to this page on our Site with a revised effective date. Accordingly, please refer back to this page frequently as it may change.

11. Contact Us

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

Ralo Corporation
115 E 23rd St 5th Floor Suite 508
New York, NY 10010
Phone: (484) 799-8382
Email: hello@ralo.com

By using our Site to navigate the home loan process, you acknowledge that you have read and understood this Privacy Policy.