Terms & Conditions

1. Agreement of Use

By accessing this website, you are agreeing to the terms of use.

2. For Everyone (Especially Canadian Visitors – CASL Compliance)

By registering on this website, you give expressed consent for us to:

• Email you
• Call you
• Send you text messages

Note: If you do not wish to receive such communications, please do not register.

3. Information We Collect

We collect details you provide during the sign-up process, including but not limited to:

• Name, Email, City, State
• Gender, Birthday, Picture, Website
• IP Location

4. How We Use Your Information

• Connect you with an agent to help you find a property
• Contact you via email, phone, or SMS
• Share with our supporting lender upon registration

5. Internal Record Keeping

• Improve products and services
• Send promotional emails about offers & updates
• Contact you for market research (email, phone, fax, or mail)
• Customize the website to your interests
• Share with third-party partners for marketing purposes

We will never sell your information.

6. Security

We use physical, electronic, and managerial safeguards to protect your information against unauthorized access or disclosure.

7. Cookies

• Cookies help us improve user experience by analyzing traffic and remembering preferences.
• We only use cookies for statistical analysis (data is deleted after use).
• Cookies do not give us access to your computer.
• You may accept or decline cookies in your browser settings.

8. External Links

Our website may link to external websites. We are not responsible for their privacy or content. Please review their policies.

9. Controlling Your Personal Information

• To unsubscribe from emails, click the link in our email footer.
• To opt-out of SMS, reply “STOP” to any message from Ray Quill.

10. California Consumer Privacy Act (CCPA) Compliance

a) Personal Information Collected

In the last 12 months, we have collected:

• Identifiers (name, email, etc.)
• Customer records data
• Commercial information
• Internet/network activity
• Inferences from personal information

b) Use of Personal Information

We use/disclose data for:

• Providing services, payments & transactions
• Fraud prevention & security
• Customer support & inquiries
• Personalization & targeted offers
• Research & product development
• Compliance with laws

c) Sharing Information

We only share your information with service providers. We do not sell personal information.

d) Your Rights

• Access & Data Portability – request details of data we hold
• Deletion Rights – request deletion (with some legal exceptions)
• Opt-Out Rights – you may refuse sale/sharing of data
• Non-Discrimination – you won’t be denied services or charged differently for exercising rights

11. Response Timeline

We will respond to verifiable consumer requests within 45 days. If an extension (up to 90 days) is needed, we will notify you.