Privacy Policy
RickAustinGroup – Privacy Policy & Terms of Use
(Effective Date: 1/01/2025])
Privacy Policy
1. Introduction
Rickaustingroup (“Rick Austin,” “we,” “us,” or “our”) is committed to protecting your privacy and maintaining transparency about how we collect, use, and protect your personal information.
This Privacy Policy applies to all visitors, customers, and users of our website, mobile applications, SMS/text messaging services, and social-media pages, including Facebook, Instagram, LinkedIn, YouTube, and other platforms (collectively, the “Services”).
By accessing or using our Services —including accepting a connection or friend request on social media —you consent to this Privacy Policy.
2. Information We Collect
We may collect the following categories of information:
Personal Information: Name, address, phone number, email, date of birth, SSN, driver’s license, employment data, income and assets.
Loan Information: Credit reports, property information, and financial disclosures required for mortgage applications.
Communication Data: SMS/text messages, call logs, social-media interactions, and emails with our staff.
Technical Data: IP address, browser type, device information, and analytics data about your interaction with our website or marketing content.
3. How We Use Your Information
We use your information to:
Evaluate and process your mortgage application.
Communicate with you about loan status, updates, and required documentation.
Send you authorized text messages and emails regarding your loan or other services.
Provide marketing and educational information about home financing options (with your consent).
Comply with federal and state regulations, including consumer protection and record retention laws.
Improve our website, CRM systems, and client experience.
4. SMS/Text Messaging & A2P Compliance
RickAustinGroup complies with the U.S. Application-to-Person (A2P) 10-Digit Long Code (10DLC) regulations.
When you provide your mobile number and consent to receive texts:
You authorize us to send you messages related to your loan application, documents, marketing updates, and educational content.
We will not send SMS messages without your explicit opt-in consent.
Message frequency varies; standard message and data rates may apply.
You may opt out any time by replying “STOP.” We will promptly honor opt-out requests.
We maintain records of your opt-in/opt-out status and send messages only through registered, approved campaigns as required by federal carriers.
5. Disclosure of Information
We may share your information with:
Mortgage Lenders and Investors to process your loan.
Credit Reporting Agencies and third-party verification services (with your authorization).
Vendors and Technology Providers who assist us with compliance, CRM, marketing, and SMS communications under confidentiality agreements.
Regulatory Agencies such as the CFPB, NMLS, and Oklahoma Department of Consumer Credit, when required by law.
We never sell your personal information.
6. Data Retention & Security
We retain data for as long as necessary to satisfy legal and business requirements (typically 7 years for loan records per Oklahoma and federal laws).
We use industry-standard encryption and secure servers to protect your information but cannot guarantee absolute security.
7. Your Rights in Oklahoma
Under Oklahoma and federal law, you have the right to:
Access and review your personal information.
Request correction of inaccuracies.
Withdraw consent for marketing communications.
Opt out of SMS or social-media communications at any time.
Contact us using the information below to exercise these rights.
8. Children’s Privacy
We do not knowingly collect information from individuals under 18. If we discover we have collected such data, we will delete it promptly.
9. Changes to Privacy Policy
We may update this Privacy Policy periodically and will post the revised version with an updated effective date. Continued use of our Services constitutes acceptance of the updated policy.
10. Contact Us
Rick Austin Group
📍 2022 Raineys Blvd, Edmond, OK 73025
📞 405-863-3800
Copyright 2025 © Rick Austin Group, LLC
2022 Raineys Blvd
Edmond, OK 73025