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Written by Chris BirkVice President of Mortgage Insight Reviewed by Tierre Banks
Updated on Jan 01, 2025

Privacy Policy

Most Recent Update: 11/7/25

This Privacy Policy explains how South River Mortgage (“we,” “our,” or “us”) collects, uses, and discloses personal information of its customers, prospective customers, and visitors to its website at www.southrivermortgage.com.

Collection of Personal Information

Information Collected Directly from You
We may collect personal information directly from you, for example, through a web form, during an online or in-person registration, while making a reservation, while setting up an account with us, when you contact us for customer support, or at checkout. Personal information we collect directly from you may include your name, address, email address, phone number, and any other details you voluntarily provide.

Information Collected from Your Device
Our website may use tracking technologies such as cookies, web beacons, pixels, and other similar technologies to automatically collect certain information from your device. This includes your IP address, browser and operating system information, geographic location, referring website address, and other information about how you interact with the website.

Our website may also use cookies to personalize your experience and enable certain features such as keeping track of items you put in your shopping cart. You may disable cookies in your web browser; however, parts of our website may not function properly. More information about blocking and deleting cookies is available at www.allaboutcookies.org.

Our email campaigns may also use tracking technologies such as web beacons, pixels, and other similar technologies to automatically collect certain information such as your IP address, browser type and version, and email engagement statistics.

Information Collected from Third Parties and Advertising Partners
We may collect personal information about you from our advertising partners, affiliates, and data service providers. This information may include demographic data, shopping history, interests, and geographic location.

Use of Personal Information

We may use the information we collect to:

  • Provide and improve our products, services, and website functionality;
  • Communicate with you about your account or transactions;
  • Respond to customer inquiries or support requests;
  • Conduct analytics to improve our website and marketing;
  • Send promotional communications (via email, text, or mail) subject to your consent;
  • Detect and prevent fraud or other unauthorized activities; and
  • Comply with legal obligations.

Disclosure of Personal Information

We may share or disclose personal information in the following circumstances:

a. With Service Providers and Business Partners
We may share your personal information with vendors, service providers, contractors, and consultants who perform services on our behalf, including:

  • Marketing and advertising networks (e.g., Google Ads, Meta, Mailchimp);
  • Customer relationship management (CRM) and analytics providers;
  • Payment processors and financial institutions;
  • Cloud hosting, data storage, and IT service providers.

These entities are required to handle your personal information in compliance with this Privacy Policy and applicable law.

b. With Affiliates
We may share information with our corporate affiliates or subsidiaries for internal business, analytics, and operational purposes.

c. With Advertising and Marketing Partners
We may share certain information (such as hashed identifiers, cookie data, or demographic segments) with advertising partners to deliver personalized advertising or to measure the performance of our marketing campaigns. You may opt out of targeted advertising by visiting the Network Advertising Initiative (NAI) Opt-Out page.

d. For Legal, Safety, or Business Transfer Reasons
We may disclose information:

  • To comply with legal obligations, subpoenas, or court orders;
  • To protect our rights, property, or safety, or that of others; or
  • In connection with a merger, acquisition, financing, or sale of all or part of our business.

Sale of Personal Information

We do not sell personal information for monetary value. However, some disclosures (for example, to advertising partners) may be considered “sales” or “sharing” under certain state privacy laws. If you are a California resident, you may opt out of such sharing by contacting us at [email protected].

Your Privacy Rights

Depending on your state of residence, you may have the right to:

  • Access, correct, or delete your personal information;
  • Request that we limit the use or disclosure of your information;
  • Opt out of targeted advertising or data “sales”;
  • Receive a copy of your personal data in a portable format.

To exercise any of these rights, please contact us at [email protected].

Email and Text Message Communications

If you wish to unsubscribe from our email campaigns, please click the “Unsubscribe” link at the bottom of any marketing email we send.
If you wish to stop receiving text messages from us, reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message sent from us.

Data Security

We maintain administrative, technical, and physical safeguards to protect personal information against unauthorized access, destruction, or misuse. However, no system is completely secure, and we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date. Please review it frequently.

Contact Information

If you have any questions about this policy or our privacy practices, please contact us at [email protected].

Other State Disclosures

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

NEW JERSEY LIEN DISCLOSURE
HECM and HomeForLife products are first lien mortgage loans. For an adjustable rate HECM loan, a second lien mortgage and note also are required in order to secure any potential payments that FHA may make to or on behalf of a borrower pursuant to the federal National Housing Act and the loan agreement.

TEXAS MORTGAGE COMPANY DISCLOSURE
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS, OR TO FILE A CLAIM AGAINAST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM OR CLAIM APPLICATION TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: WWW.SML.TEXAS.GOV.

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