Privacy Policy

Effective Date: 06/22/2021
 Last Updated: 10/25/2021

Recreate Finance (“we,” “our,” “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you engage with our services.

1. Information We Collect

We collect the following types of information:

  • Personal Information: Name, phone number, email, and address.
  • Financial Information: Income, credit score, assets, debts, and loan eligibility (required by federal regulations and RMLOs).
  • Property Information: Details of homes listed, purchased, or financed through our marketplace.
  • Transactional Data: Down payments, interest rates, loan terms, and payment history.
  • Communications: Emails, texts, or calls exchanged with us.

2. How We Use Your Information

We use your information to:

  • Facilitate transactions between real estate agents, buyers, sellers, and investors.
  • Conduct underwriting and loan approvals in compliance with the SAFE Act.
  • Provide disclosures and contracts required under Texas law.
  • Improve our marketplace and customer experience.
  • Communicate with you about saved homes, approvals, and offers.
  • Meet legal and regulatory obligations.

3. Sharing of Information

We do not sell your information. We share your information only with:

  • Regulated Professionals: Residential Mortgage Loan Originators (RMLOs) and Qualified Individuals (QIs) for compliance.
  • Investors & Lenders: To facilitate financing and guarantees.
  • Transaction Coordinators & Loan Servicers: For escrow, contract processing, and payment management.
  • Service Providers: Technology platforms, analytics, and marketing tools.
  • Legal/Regulatory Authorities: As required by law.

4. Data Protection

We implement administrative, technical, and physical safeguards to protect your data, including encryption, secure servers, and restricted access. While no system is 100% secure, we maintain compliance with applicable U.S. privacy and lending regulations.

5. Your Rights

Depending on your location, you may have rights to:

  • Access, correct, or delete your personal information.
  • Opt out of non-essential communications.
  • Request details of how your data is used.
  • File a complaint with regulatory authorities if you believe your rights have been violated.

6. Data Retention

We retain your information only as long as necessary for compliance, legal, and operational purposes (e.g., to enforce contracts, meet regulatory requirements, and maintain transaction records).

7. Children’s Privacy

Our services are not directed toward children under 18. We do not knowingly collect personal information from minors.

8. Updates to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted with a revised “Effective Date.”

9. Contact Us

For questions or concerns about this Privacy Policy or our data practices, contact us:

Recreate Finance
 Cory Simpson
 📞 530-558-5254
 📧 info@recreate.finance