Last updated: October 30, 2025

1. Overview
Gold Ridge Financial, LLC (“Gold Ridge Financial,” “we,” “us,” “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit goldridgefinancial.com (the “Site”) or apply for services.

2. Information We Collect
a. Information you provide: name, contact details, address, date of birth, government-issued identifiers (as permitted), employment and income, financial data, loan application details, and communications with us.
b. Automatically collected data: IP address, device/browser data, pages viewed, referring/exit pages, timestamps, and cookie identifiers.
c. Third-party sources: credit bureaus, identity verification providers, fraud-prevention partners, lenders, and financial institutions.

3. How We Use Information
We use information to:

- process, evaluate, and service loan applications;

- verify identity, prevent fraud/abuse, and comply with legal requirements;

- communicate about your application, account, and our services;

- operate, maintain, and improve the Site and user experience;

- conduct analytics and, where permitted, send marketing (you can opt out).

4. How We Share Information
We may share information with:

- Service providers and vendors (IT, hosting, analytics, communications, identity verification, compliance);

- Credit bureaus, lenders, and financial institutions to process your application;

- Affiliates consistent with this Policy;

- Authorities when required by law or to protect rights, safety, and property;

- Successors/Assignees in connection with a merger, acquisition, or similar event.

5. Cookies & Tracking
We use cookies, pixels, and similar technologies for Site operation, security, analytics, and personalization. You can adjust browser settings to manage cookies; disabling cookies may affect Site functionality.

6. Your Choices & Rights

- Marketing opt-out: follow unsubscribe instructions in our emails or contact us.

- Access/Correction/Deletion: subject to applicable law, you may request access to, correction of, or deletion of personal information by contacting us. We may retain certain data as required by law or for legitimate business purposes.

7. Data Security
We use administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure.

8. Data Retention
We retain information as needed to provide services, meet legal/ regulatory obligations, resolve disputes, and enforce agreements.

9. Children’s Privacy
Our services are not directed to individuals under 18, and we do not knowingly collect data from children under 18.

10. International Users
If you access the Site from outside the U.S., your information may be transferred to and processed in the U.S. and other countries with different data protection laws.

11. Third-Party Links
Our Site may link to third-party websites. We are not responsible for their privacy practices or content.

12. Changes to This Policy
We may update this Policy by posting a new version with a revised “Last updated” date. Your continued use of the Site indicates acceptance.

13. Contact Us
Privacy questions or requests: : [email protected]