The Work Space

This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and the exchange and sharing of information. The information contained in private work spaces shared between Users and RanLife is not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.

Information We Collect

We collect various types of information to provide and improve our services to you. This includes: Personal Information Contact Information: Name, address, email address, and phone number. Identification Information: Social Security number, driver's license number, and other identification documents. Financial Information: Income, credit history, employment details, and other financial information. Usage Data Log Data: IP address, browser type, operating system, and pages visited on our website. Cookies: Information collected through cookies and similar tracking technologies.

How We Use Your Information

We use the information we collect for various purposes, including: To Process Applications: Assessing your eligibility for our services. To Provide Services: Delivering mortgage loans, home equity loans, and other financial services. To Communicate: Sending you updates, promotional materials, and other information related to your account or our services. To Improve Our Services: Analyzing usage patterns to enhance our website and offerings. To Comply with Legal Obligations: Fulfilling regulatory and legal requirements.

Disclosure of Your Information

We may share your information with third parties under the following circumstances: With Your Consent: When you provide explicit consent for us to share your information. Service Providers: With third-party vendors who perform services on our behalf, such as credit bureaus and payment processors. Legal Requirements: If required by law, regulation, or legal process, we will disclose your information to relevant authorities. Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets.

Online Surveys and Contests

Occasionally RanLife conducts an online user survey to collect information about our Users preferences. These surveys are optional and if You choose to respond, your responses will be kept anonymous. Similarly, we offer contests to qualifying Users in which we ask for contact and demographic information such as name, email address and mailing address.

Automatically Gathered Information

RanLife automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. RanLife may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information. However, We can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.

Security Of Your Information

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encryption, firewalls, and secure access controls.

How We Use Information From Registration/Application Information

We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. Income, property and current mortgage information is collected solely for evaluating which loan products may be available to you. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.

Advertising

At this time we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by sending a message to info@ranlife.com.

Advertising And Analytics

We utilize Google and other third-party tools for advertising and analytics purposes. These tools use cookies and similar technologies to collect information about your interactions with our website and advertisements. This information helps us understand your interests and deliver targeted advertisements that are relevant to you. The types of data collected may include: Pages Visited: Information about the pages you visit and the time spent on each page. Clicks and Interactions: Data on the links and advertisements you click on. Device Information: Details about the device and browser you are using. Managing Your Preferences You can manage your preferences for how Google and other third parties use your data for advertising purposes by visiting the following links: Google Ads Settings: Google Ads Settings Network Advertising Initiative Opt-Out: NAI Opt-Out Digital Advertising Alliance Opt-Out: DAA Opt-Out

Demographic Information, Surveys and Contests

The demographic information that RanLife collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.

Comments Submitted by Users

RanLife constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by sending an email to info@ranlife.com. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.

Testimonial Release

At RanLife Home Loans, we value your feedback and experiences. We may request video testimonials from clients to share on our social media platforms, including Facebook, Instagram, Twitter, LinkedIn, and YouTube. By providing a video testimonial, you grant RanLife Home Loans permission to use, edit, reproduce, and distribute your video for promotional and marketing purposes. Please note that you may not receive any compensation for the use of your video testimonial. Your participation is entirely voluntary, and you can choose whether or not to provide a testimonial.

Security

We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.

Terminating Your Membership

We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, send an email to info@ranlife.com. If You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email and mail communications for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.

Correcting/Updating Your Information

To correct and/or update your information, please send an email to

A2P Messaging Compliance

In compliance with A2P regulations, we ensure that any automated or promotional messages sent to your mobile device are done so with your explicit consent. You have the right to opt-out of receiving such messages at any time by following the instructions provided in the message or by contacting us directly.

Text Messaging

RanLife Home Loans offers subscription text message programs. The types of messages you may receive are notifications, promotional messages, appointment notifications, appointment reminders, and SMS enabling direct lending or loan arrangement.RanLife Home Loans will not share your opt-in with 3rd parties. You may receive up to 5 msgs/mo. Text and data rates may apply. Reply STOP to end or HELP for help. You will not be enrolled in a "mailing list" when you subscribe to this service. UNITED STATES PARTICIPATING CARRIERS INCLUDE ACS/Alaska, Alltel, AT&T, Bluegrass Cellular, Boost, Cellcom, Cellone Nation, Cellular One of East Central Illinois, Cellular South, Centennial, Chariton Valley Cellular, Cincinnati Bell, Cox Communications, Cricket, EKN/Appalachian Wireless, Element Mobile, G

Your Data Protection Rights

You have the following rights regarding your personal information: Access: Request access to your personal information. Correction: Request correction of inaccurate or incomplete information. Deletion: Request deletion of your personal information, subject to certain legal obligations. Opt-Out: Opt-out of receiving promotional communications.

Contacting Us

If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:

Customer Service
RanLife, Inc.
9272 South 700 East
Sandy, Utah 84070
info@ranlife.com