Privacy Policy

This Privacy Policy explains how RC Lending Advisors, a team of Cornerstone First Mortgage, LLC collects, uses, and protects information submitted through ashleythecommunitylender.com (the "Site"). Once you submit a loan application, your application information is also governed by Cornerstone First Mortgage, LLC's consumer privacy notice, which is provided to you as part of your loan disclosures.

1. Information We Collect

Personal information

• Name, email address, phone number, and the state of the property you are financing
• Details you choose to share about your home financing scenario
• Opt-in records and timestamps for all communication channels (SMS, email, etc.)

This Site's contact form does not ask for your Social Security number, bank account numbers, or other sensitive financial information. Loan applications and documents are submitted separately through our secure, encrypted application portal.

Non-personal information

• IP address, browser type, and device information
• Website usage patterns and analytics
• Cookies and similar technologies

Customer communication

• Records of inquiries and service requests
• Appointment details and preferences
• Service history and feedback

2. How We Use Your Information

• Responding to your inquiry and providing mortgage loan services
• Communicating with you about your inquiry, loan application, loan status, and appointments
• Sending promotional messages only where you have given separate consent
• Improving website functionality and user experience
• Ensuring security and fraud prevention
• Maintaining records of your communication preferences and consent

3. SMS Messaging & Compliance

By opting in to our SMS messaging program, you agree to receive text messages from RC Lending Advisors related to the services you requested, including responses to your inquiry, loan application and loan status updates, appointment scheduling and reminders, and customer care. Marketing text messages are sent only if you separately opt in to them.

Opt-in & consent

• You will only receive messages if you have explicitly opted in
• Consent to receive text messages is never a condition of submitting a form or obtaining our services
• We maintain timestamped records of all opt-in actions
• We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Opt-out instructions

• You can cancel SMS messages at any time by replying "STOP"
• You will receive a final confirmation message, and no further messages will be sent unless you opt in again
• All opt-out requests are processed immediately

Message frequency & content

• Message frequency varies based on your inquiry and where your loan is in the process
• Messages are directly related to the services you have requested
• We do not send promotional content without your specific consent

Help & support

• Reply "HELP" for assistance, or contact us at ashley@rclending.co or (510) 314-9000
• Customer support is available during regular business hours

Carrier information

• Message and data rates may apply
• Carriers are not liable for delayed or undelivered messages
• Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers

SMS data protection statement

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We implement strict data protection measures to safeguard your SMS opt-in information and consent records.

4. Information Sharing & Disclosure

We may share information only as needed to provide the services you requested:

Service providers

• Vendors who support our operations, such as our customer relationship management, scheduling, and loan origination systems
• Cornerstone First Mortgage, LLC, the licensed lender that originates and services your loan
• SMS aggregators and providers solely for the purpose of delivering messages you have consented to receive
• All service providers are required to maintain confidentiality and security

Legal compliance

• If required by law, regulation, legal process, or to protect our rights
• In response to valid law enforcement requests, regulatory examinations, or court orders

All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the text message services.

5. Data Security

We maintain reasonable administrative, technical, and physical safeguards to protect your personal information, including encryption of data in transit, secure access controls, and a secure application portal for loan documents. No method of transmission over the Internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to analyze site traffic, remember your preferences, and improve the Site. You can control cookies through your browser settings. Disabling cookies may limit some features of the Site.

7. Your Rights & Choices

• Access, update, or request deletion of your personal information, subject to legal record-keeping requirements for mortgage lending
• Opt out of marketing emails by clicking "unsubscribe"
• Opt out of SMS messages by replying "STOP"
• Request information about how we process your data
• Withdraw consent at any time for future communications

California residents may have additional rights under the California Consumer Privacy Act. To exercise any of these rights, contact us using the information in Section 10.

8. Third-Party Links

The Site links to third-party websites, including our application portal and review sites. We are not responsible for their privacy practices and encourage you to review their policies. This Privacy Policy applies only to information collected by RC Lending Advisors through this Site.

9. Changes to This Privacy Policy

We may update this policy periodically. The latest version will always be posted on this page with its effective date.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us:

See also our Terms & Conditions.