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Effective Date: 6/21/2026

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RAC City Mortgages LLC respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit information online, apply for mortgage financing, request credit repair services, or otherwise interact with our business.

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Information We Collect

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We may collect personal information that you voluntarily provide, including:

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• Name

• Address

• Email address

• Telephone number

• Date of birth

• Employment information

• Income information

• Financial account information

• Credit information

• Social Security Number (when required for mortgage or credit-related services)

• Any information submitted through online forms, applications, or consultations

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We may also automatically collect certain technical information, including:

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• IP address

• Browser type

• Device information

• Website usage data

• Cookies and tracking technologies
   

How We Use Your Information

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We may use your information to:

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• Evaluate mortgage loan eligibility

• Provide mortgage lending services

• Provide credit repair services

• Verify your identity

• Process applications and requests

• Communicate with you regarding services

• Respond to inquiries

• Improve our website and services

• Comply with legal and regulatory requirements

• Prevent fraud and unauthorized activity

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Credit Repair Services

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When providing credit repair services, RAC City Mortgages LLC may collect, review, and analyze credit-related information necessary to evaluate and assist with credit improvement strategies.

We do not guarantee specific credit score increases or loan approvals. Results vary based on individual circumstances.

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Information Sharing

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We do not sell your personal information.

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We may share information with:

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• Mortgage lenders and investors

• Credit reporting agencies

• Service providers and vendors assisting in business operations

• Legal, regulatory, and government agencies when required by law

• Professional advisors such as attorneys, auditors, and compliance consultants

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Any third-party service providers are required to maintain appropriate safeguards for your information.

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Data Security

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We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

However, no electronic transmission or storage method can be guaranteed 100% secure.

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Cookies and Tracking Technologies

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Our website may use cookies and similar technologies to improve user experience, analyze website traffic, and enhance website functionality. Users may adjust browser settings to refuse cookies; however, some website features may not function properly.

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Your Rights

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Depending on your state of residence, you may have rights regarding your personal information, including:

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• Access to personal information

• Correction of inaccurate information

• Deletion of personal information (subject to legal obligations)

• Opt-out of certain communications

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To exercise these rights, please contact us using the information below.

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Third-Party Links

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Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites.

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Children's Privacy

Our services are not directed toward children under the age of 18. We do not knowingly collect information from children.

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Changes to This Privacy Policy

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We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date.

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Contact Information

RAC City Mortgages LLC

Email: Latoyac@ourlender.info

Website: www.ourlender.info

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If you have questions regarding this Privacy Policy or our privacy practices, please contact us using the information above.