Privacy Statement

NOTICE
PLEASE READ THIS PRIVACY STATEMENT CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS BELOW. IF YOU DO NOT AGREE, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF. This Privacy Statement describes how Riverbank Finance LLC (NMLS #666287) collects, uses, and shares information through riverbankfinance.com. It supplements, and does not replace, the GLBA/Regulation P privacy notice you receive when you apply for a loan, which governs your nonpublic personal information as a loan applicant or customer.

COPYRIGHT RIVERBANK FINANCE LLC . ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Riverbank Finance LLC unless otherwise indicated.

INFORMATION WE COLLECT
We collect information you voluntarily provide through this site, such as your name, email address, phone number, mailing address, and loan-related details submitted through contact forms, quote requests, or an online application. We also automatically collect certain technical information when you visit this site, including IP address, browser and device type, pages viewed, and referring URLs, through cookies and similar tracking technologies described below.

HOW WE USE INFORMATION
We use the information we collect to respond to your inquiries, provide mortgage-related products and services you request, service and process loan applications, communicate with you about your inquiry or loan, improve this website, and, where you have provided consent, to send you marketing communications.

CONSENT TO BE CONTACTED (TCPA)
By submitting your phone number through this site, you expressly consent to receive calls and text messages, including via automatic telephone dialing systems and prerecorded/artificial voice messages, from Riverbank Finance LLC and its service providers at the number provided, for informational and marketing purposes, even if that number is on a Do Not Call list. Consent is not a condition of obtaining any product or service. Message and data rates may apply. You may revoke consent at any time by contacting us using the information below or, for text messages, by replying STOP.

INFORMATION SHARING
We do not sell your personal information for money. We may share information with our affiliates, service providers, and business partners who perform functions on our behalf (such as processing, underwriting, or IT services), as necessary to complete a transaction you request, or as required or permitted by law, including in response to a subpoena or regulatory request. Any sharing of nonpublic personal information collected in connection with a loan application is governed by the GLBA privacy notice provided to you at application, including your right to opt out of certain sharing described there.

We do share limited online identifiers — such as cookie IDs, device identifiers, and IP address — with advertising and analytics partners including Google and Meta (Facebook) so that we can measure the performance of our advertising and show relevant ads to people who have visited this site. Under some state privacy laws, this activity is defined as “sharing” or “targeted advertising” even though we receive no payment for it. You can limit or stop it using the controls described under Cookies and Tracking Technologies below, or by contacting us at the address in Right to Opt-Out of Information Sharing.

COOKIES AND TRACKING TECHNOLOGIES
This website uses cookies and similar technologies, including:
Google Analytics: Allows us to see information on user website activities including, but not limited to, page views, source and time spent on website. The information is depersonalized and displayed in aggregate, meaning it generally cannot be tracked back to individuals. This helps us understand what content is useful to visitors.

Google Ads / Advertising Cookies: Using Google Ads and similar advertising code, we are able to see which pages helped lead to contact form submissions and to deliver relevant advertising. This allows us to make better use of our paid search and advertising budget.

Meta (Facebook) Pixel and Social Plugins: On certain pages, including our contact page and the confirmation pages shown after you submit a form, we load code from Meta Platforms, Inc. (Facebook and Instagram). This sets Meta cookies that let us measure which ads led to inquiries and show relevant ads to people who have visited this site. Where we embed a Facebook page feed or social plugin, Meta may also set cookies as part of loading that content.

These technologies are managed through Google Tag Manager, which loads the tags listed above on our behalf.

Most web browsers allow you to modify your settings to reject or delete cookies. Declining cookies may interfere with your ability to take full advantage of the features of this website. You can also opt out of interest-based advertising directly with the providers: Google at myadcenter.google.com and tools.google.com/dlpage/gaoptout for Google Analytics, and Meta through your Facebook or Instagram ad settings. Industry-wide opt-out tools are available at optout.aboutads.info and optout.networkadvertising.org.

DATA SECURITY
We maintain administrative, technical, and physical safeguards designed to protect the information we collect, consistent with applicable federal and Michigan law, including the FTC Safeguards Rule. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

CHILDREN'S PRIVACY
This website is not directed to, and we do not knowingly collect personal information from, children under the age of 13. If you believe a child has provided us with personal information, please contact us using the information below so we can address it.

YOUR PRIVACY CHOICES
Depending on where you live, you may have additional rights regarding your personal information under applicable state privacy laws. Please note that most information you provide in connection with a mortgage loan application is subject to the Gramm-Leach-Bliley Act and is generally exempt from state consumer privacy statutes. To exercise any available rights, or to ask a question about this Privacy Statement, contact us using the information below.

Right to Opt-Out of Information Sharing 
If you prefer that Riverbank Finance LLC does not share your information with non-affiliated third parties, you may opt-out of sharing not otherwise permitted by law. If you wish to opt out, you must send an email to optout@riverbankfinance.com or call (800) 555-2098 indicating your preference to opt-out of sharing with affiliated companies, nonaffiliated third parties or both. However, by opting out you understand that such opt-out may affect your access to certain financial products, which may otherwise be available. You are encouraged to obtain information on as many products and providers as possible. If you do not wish to opt out, no action is required, and until you provide the required notice of your opt-out preference, Riverbank Finance LLC is authorized to share your information as described above.

LINKS
THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF Riverbank Finance LLC). Riverbank Finance LLC HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD PARTY SITES LINKED TO THIS WEB SITE. BY CREATING A LINK TO A THIRD PARTY WEB SITE, Riverbank Finance LLC DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR IS Riverbank Finance LLC LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF Riverbank Finance LLC AND THE THIRD PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE Riverbank Finance LLC SITE.

NO WARRANTY
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". Riverbank Finance LLC DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY
IN NO EVENT WILL Riverbank Finance LLC BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF Riverbank Finance LLC, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS
All information submitted to Riverbank Finance LLC via this site shall be deemed and remain the property of Riverbank Finance LLC and Riverbank Finance LLC shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Riverbank Finance LLC through this site. Riverbank Finance LLC shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Riverbank Finance LLC entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Riverbank Finance LLC's responsibilities and obligations to customers in accordance with the Riverbank Finance LLC Privacy Promise for Consumers.

AVAILABILITY
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ADDITIONAL TERMS
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

CHANGES TO THIS PRIVACY STATEMENT
We may update this Privacy Statement from time to time. The "Updated" date at the top of this page reflects the most recent revision. Your continued use of this site after a revision becomes effective constitutes acceptance of the updated Privacy Statement.

GOVERNING LAW
Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of Michigan, County of Kent.

CONTACT US
If you have questions about this Privacy Statement or wish to exercise any of the choices described above, contact Riverbank Finance LLC at info@riverbankfinance.com or (800) 555-2098, or by mail at 3205 Eaglecrest Dr NE #206, Grand Rapids, MI 49525.