PRIVACY POLICY

RT Lending

Last Updated: November 10, 2026

At RT Lending ("RT Lending," "we," "our," or "us"), protecting our customers' privacy and maintaining the confidentiality of their personal and financial information are important responsibilities.

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our website, submit an inquiry, apply for financing, communicate with our representatives, or use our services.

Because RT Lending provides lending-related services, certain personal financial information may also be subject to additional privacy notices and protections under applicable federal and state laws.

1. Information We Collect

We may collect nonpublic personal information necessary to evaluate financing requests, provide lending-related services, respond to inquiries, and conduct business operations.

Depending on your interactions with us, this information may include:

• Personal identification information: Name, address, telephone number, email address, date of birth, Social Security number, and other identification details.
• Financial information: Income, employment history, assets, liabilities, bank account information, payment history, and other financial records.
• Credit information: Credit scores, credit reports, credit history, and information obtained from consumer reporting agencies where legally authorized.
• Application and transaction information: Mortgage or loan applications, financing requests, account information, and related documentation.
• Verification information: Employment, income, deposits, and other details provided by employers, financial institutions, or authorized third parties.
• Communication records: Customer inquiries, correspondence, appointment requests, communication preferences, and SMS consent records.
• Website information: IP addresses, device and browser information, website activity, and information collected through cookies or analytics technologies.

2. How We Collect Information

We may collect personal information:

• Directly from applications, website forms, telephone conversations, emails, text messages, and in-person meetings.
• Through communications with our lending representatives.
• From consumer reporting agencies, where permitted by law.
• From employers, financial institutions, and other sources authorized to verify application information.
• Through website technologies and service providers supporting our business operations.

Submitting information through our website does not automatically constitute consent to receive promotional text messages.

3. How We Use Your Information

We may use personal information to:

• Respond to customer questions and financing inquiries.
• Evaluate loan applications and financing eligibility.
• Verify employment, income, identity, and financial information.
• Process applications and coordinate lending-related transactions.
• Schedule appointments and provide requested updates.
• Maintain business and customer records.
• Deliver communications authorized by the customer.
• Protect against fraud, unauthorized activity, and security threats.
• Comply with applicable legal and regulatory requirements.
• Improve our website, customer service, and business operations.

We may send promotional communications when permitted by applicable law and supported by any required consent.

4. SMS and Mobile Messaging Privacy

RT Lending may offer customers the option to receive text messages related to their inquiries, appointments, financing services, and, where separately authorized, promotional communications.

SMS consent is optional. Customers may opt in through an affirmative consent process where available.

Depending on the applicable messaging program and the consent provided, messages may include:

• Responses to financing inquiries.
• Appointment confirmations and reminders.
• Loan application or documentation updates.
• Customer service communications.
• Promotional messages about RT Lending products or services, where authorized.

Message frequency varies. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing goods or services or obtaining financing.

Opt-Out Instructions

You may opt out of text messages by replying STOP to a message from the applicable RT Lending messaging program. After opting out, you may receive a final confirmation message.

Help Instructions

Reply HELP for assistance or contact RT Lending using the contact information provided in this Privacy Policy.

Mobile Information Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted.

Text messaging originator opt-in data and consent will not be shared with any third parties for their marketing purposes.

We do not sell or share SMS opt-in consent information with affiliates for their independent marketing or promotional activities.

Service providers assisting with the delivery or administration of text messages may process information as necessary to perform services on our behalf, subject to applicable contractual and legal restrictions.

Consent provided to RT Lending does not automatically authorize Real Team Realty or other affiliated businesses to send their own marketing text messages.

5. Information We Disclose

RT Lending may disclose personal information when necessary and permitted by applicable law, including to:

• Financial institutions and lending partners involved in authorized financing services.
• Consumer reporting agencies and verification providers.
• Title, settlement, and other transaction-related service providers.
• Technology, hosting, customer relationship management, communications, and customer support providers.
• Regulatory authorities, government agencies, or other parties when disclosure is legally required or authorized.

We may also disclose information as otherwise permitted or required by applicable financial privacy laws.

We do not treat customer information as freely transferable between affiliated businesses.

Our handling of nonpublic personal financial information is subject to applicable financial privacy requirements and any additional privacy notices provided to customers.

6. Financial Information and Consumer Privacy

RT Lending recognizes the sensitive nature of financial and credit-related information.

Where applicable, we handle nonpublic personal information in accordance with relevant financial privacy and consumer protection laws, including requirements under the Gramm-Leach-Bliley Act (GLBA) and Fair Credit Reporting Act (FCRA).

Additional notices may describe specific information-sharing practices, customer rights, and available opt-out choices.

Nothing in this website Privacy Policy replaces a separate financial privacy notice required by law.

7. Data Security

We maintain administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, misuse, alteration, or disclosure.

Access to sensitive information is limited according to legitimate business needs and applicable security requirements.

However, no electronic transmission or storage system can be guaranteed completely secure.

8. Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain required records, document communications and consent, resolve disputes, and comply with applicable legal and regulatory obligations.

Retention periods may vary based on the type of information and applicable lending requirements.

9. Cookies and Website Technologies

Our website may use cookies, analytics tools, and similar technologies to support website functionality, improve performance, and understand visitor interactions.

You may manage certain cookie preferences through your browser settings. Disabling cookies may affect some website features.

Where required by applicable law, additional choices or notices will be provided.

10. Your Privacy Choices

Subject to applicable law, you may contact RT Lending to:

• Request information about certain personal data we maintain.
• Request correction of inaccurate information.
• Ask about applicable privacy rights or available opt-out choices.
• Update communication preferences.
• Unsubscribe from marketing emails through the unsubscribe link.
• Opt out of SMS communications by replying STOP.

Certain financial records may need to be retained to satisfy legal, regulatory, or operational requirements.

11. Third-Party Websites and Service Providers

Our website may contain links to external websites or services that maintain their own privacy practices.

We are not responsible for the privacy policies or content of independently operated third-party websites.

RT Lending may use third-party technology providers, including customer relationship management and messaging platforms, to support authorized business operations.

12. Children's Privacy

Our website and lending services are intended for adults and are not directed toward children under the age of 13.

We do not knowingly collect personal information from children under 13 through our website.

If you believe a child has submitted personal information, please contact us.

13. Changes to This Privacy Policy

RT Lending may update this Privacy Policy to reflect changes in business operations, technology, legal requirements, or privacy practices.

Any revised version will be published on our website with an updated effective date.

14. Contact Information

For questions about this Privacy Policy, your personal information, or communication preferences, please contact:

RT Lending

Email: contact@realteamlending.com

Website: https://www.realteamlending.com/

Business Address: 6243 S Redwood Road, Suite 120. Taylorsville, UT 84118

15. Related Policies

For additional information about messaging requirements, customer responsibilities, and service terms, please review our:

Terms & Conditions: https://www.realteamlending.com/legal

Additional financial privacy notices may apply to lending products and services.