PRIVACY POLICY
Effective Date: 04/06/2025
At RF Lending Team, we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information. RF Lending Team is a New York-based mortgage lending team proudly affiliated with UNMB Home Loans, but operates as a distinct entity in our approach to customer service and data protection.
Information We Collect
In the course of providing mortgage-related services, we may collect the following personal information:
Name
Email Address
Phone number
Property-related interests
Any other information you voluntarily provide (e.g., when inquiring about a loan program)
We do not collect sensitive information such as Social Security numbers, income details, or credit data unless you choose to begin a formal application through our parent company, UNMB Home Loans.
How We Use Your Information
We use your information for the following purposes:
To respond to your inquiries
To provide information about mortgage loan options
To schedule consultations or follow-ups
To improve our customer service and offerings
Sharing of Information
RF Lending Team does not share your personal information with any third parties, except:
When legally required (e.g., by subpoena or court order)
To facilitate a loan application initiated through UNMB Home Loans, with your consent
We do not sell, rent, or trade your information.
Text Messaging Compliance
No mobile information will be shared with third parties or affiliates for marketing or 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.
Data Security
We take appropriate precautions to protect your personal information from unauthorized access, use, or disclosure. While no method of electronic communication or storage is 100% secure, we use commercially reasonable means to ensure your information is handled safely.
Your Choices
You may opt out of receiving promotional emails or updates from us at any time by clicking the “unsubscribe” link in our communications or by contacting us directly.
Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.
Updates to This Policy
We may update this Privacy Policy from time to time. The most current version will always be available upon request or on our future website.
Contact Us
If you have any questions about this Privacy Policy or how your information is handled, please contact:
RF Lending Team
Affiliated with UNMB Home Loans
rfarruggio@unmb.com
(646) 673-7283