Privacy Policy

1. Introduction

Hard Money Pros ("we," "us," or "our") is a brand and marketing site for Ryan Davies, used for lead generation, marketing, hard money education, and connecting investors with licensed lending partners and/or private capital, located in the State of Utah. Ryan Davies is a Licensed Real Estate Associate Broker at Eleven11 Real Estate (11136477-AB00) and a Licensed Mortgage Broker with Creative Housing Solutions / Ultimate Home Lending (NMLS#1895732). Consulting and/or real estate services are provided by Ryan Realty Utah, LLC, a Utah limited liability company owned and operated by Ryan Davies. When brokering through lenders that require it, loan origination and related transactions are completed through Creative Housing Solutions / Ultimate Home Lending. Private or personal money arrangements may be structured separately. Not a solicitation. Educational inquiries welcome. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website at www.hardmoneypros.net (the "Website") or contact us. By using the Website or submitting your information through this site, you agree to this Privacy Policy and to opt into phone, email, and marketing communications.

2. Information We Collect

We may collect the following categories of information:

Information You Provide: When you contact us via phone, text message, email, or form submission, we may collect your name, email address, phone number, property address, deal details, loan amount, and any other information you voluntarily provide. When you download guides or request educational content, we may collect your name and email address.

Automatically Collected Information: When you visit the Website, we may automatically collect certain information, including your IP address, browser type, device type, operating system, referring URL, pages viewed, and the date and time of your visit. We may use cookies, web beacons, and similar technologies for this purpose.

3. How We Use Your Information

We use your information to: (a) respond to your inquiries and provide requested information; (b) process and facilitate loan applications and connect you with lending partners; (c) send you educational content, guides, and updates you have requested; (d) improve the Website and our services; (e) communicate with you about your deal or our services; (f) comply with legal obligations; and (g) protect our rights and the rights of others.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information with:

• Lending Partners: When you apply for or inquire about financing, we may share your information with our lending partners and licensed entities (including Creative Housing Solutions / Ultimate Home Lending, NMLS#1895732). When brokering through lenders that require it, loan origination and related transactions are completed through Creative Housing Solutions / Ultimate Home Lending and other licensed lending partners.
• Service Providers: We may share information with third parties who assist our operations, such as hosting providers, analytics services, and communication tools. These providers are contractually obligated to protect your information.
• Legal Requirements: We may disclose information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

6. Cookies and Tracking Technologies

The Website may use cookies, web beacons, and similar technologies. Cookies are small text files stored on your device. We may use cookies to: (a) remember your preferences; (b) understand how you use the Website; (c) improve the Website; and (d) analyze traffic. You can control cookies through your browser settings. Disabling cookies may limit certain Website functionality.

7. Your Rights and Choices

You may: (a) opt out of marketing communications by contacting us or using the unsubscribe link in emails; (b) request access to the personal information we hold about you; (c) request correction of inaccurate information; and (d) request deletion of your information, subject to applicable legal retention requirements. To exercise these rights, contact us at the information below. Utah residents may have additional rights under applicable state law.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan-related information may be retained for longer periods as required by lending partners or regulatory requirements.

9. Children

The Website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will take steps to delete such information.

10. Third-Party Links

The Website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the "Last updated" date. Your continued use of the Website after changes constitutes your acceptance of the revised Privacy Policy.

12. Contact

For questions about this Privacy Policy or your personal information, contact Hard Money Pros: 801-205-1635 or text 801-205-1635.