Effective Date: June 15, 2026

Ridgemont Lending Group Ltd (“Ridgemont Lending Group,” “Ridgemont,” “we,” “our,” or “us”) respects your
privacy and is committed to protecting the personal information you provide when you visit our website,
submit an inquiry, request lending information, or communicate with our team.
This Privacy Policy explains how we collect, use, disclose, and protect information collected through our
website, including www.ridgemontlending.com, related landing pages, online forms, telephone
communications, email, SMS/text messaging, and other communication channels.
By using our website or submitting your information to us, you agree to the practices described in this
Privacy Policy.

1. Information We Collect

We may collect personal and business information that you voluntarily provide to us, including:

  • Full name
  • Email address
  • Phone number
  • Mailing address
  • Business name, if applicable
  • Property or project information
  • Mortgage, loan, or financing inquiry details
  • Residential, commercial, or construction financing needs
  • Financial, credit, income, or supporting documentation you choose to provide
  • Communication preferences
  • Any other information submitted through our forms, emails, calls, or messages

We may also collect limited technical information automatically when you visit our website, such as browser
type, device information, IP address, pages visited, referral source, and general website usage data.

2. How We Use Your Information

We use the information we collect to:

  • Respond to your lending or mortgage inquiry
  • Review your financing needs
  • Communicate with you about residential, commercial, construction, or business lending options
  • Request additional documents or information needed to assess your inquiry
  • Provide application updates, follow-up communication, and customer support
  • Connect you with appropriate lending, mortgage, or financing resources
  • Improve our website, services, client experience, and internal processes
  • Maintain records for business, legal, compliance, and regulatory purposes
  • Send marketing or promotional communications only where permitted by law and where you have provided the required consent

Submitting information to Ridgemont Lending Group does not guarantee loan approval, mortgage
approval, financing terms, rates, or lender acceptance. Any financing decision may be subject to lender
review, underwriting, eligibility requirements, credit review, property review, documentation, and applicable
laws.

3. SMS/Text Messaging Privacy

If you provide your mobile phone number and opt in to receive text messages from Ridgemont Lending
Group Ltd, we may send SMS messages related to your inquiry, including follow-ups, service-related
updates, document requests, application updates, and customer support communications.

Message frequency may vary. Message and data rates may apply depending on your mobile carrier and
plan. You may opt out of SMS messages at any time by replying STOP. You may reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchasing any service, submitting an inquiry, or
receiving financing consideration.

4. No Sale or Sharing of SMS Consent Data

Ridgemont Lending Group Ltd does not sell, rent, or share your mobile phone number, SMS opt-in consent,
or text messaging consent data with third parties or affiliates for their own marketing or promotional
purposes.

Information may be shared with service providers only as necessary to operate our business, deliver
communications you requested, maintain our systems, comply with law, or provide services on our behalf.
Such providers are not authorized to use your SMS consent data for their own marketing.

5. When We May Share Information

We may share personal information only as reasonably necessary for legitimate business, service, legal, or
compliance purposes, including with:

  • Lenders, mortgage providers, funding sources, brokers, underwriters, or financing partners where necessary to review or process your inquiry
  • Service providers that support our website, CRM, communications, email, SMS delivery, hosting, analytics, compliance, or administrative systems
  • Legal, regulatory, or government authorities when required by law
  • Professional advisors such as legal, accounting, or compliance consultants
  • Business successors in connection with a merger, acquisition, restructuring, or transfer of business assets

We do not authorize third parties to use your personal information for unrelated marketing purposes
without your consent.

6. Cookies and Website Tracking

Our website may use cookies, pixels, analytics tools, or similar technologies to understand website traffic,
improve user experience, measure performance, and support marketing or advertising efforts.

You can adjust your browser settings to refuse cookies or notify you when cookies are being used. Some
website features may not function properly if cookies are disabled.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal
information from unauthorized access, misuse, loss, disclosure, alteration, or destruction.
However, no method of internet transmission, electronic communication, or digital storage is completely
secure. We cannot guarantee absolute security of information transmitted online.

8. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in
this Privacy Policy, provide services, maintain business records, comply with legal and regulatory
obligations, resolve disputes, and enforce agreements.

Retention periods may vary depending on the nature of the information, the reason it was collected, and
applicable legal or compliance requirements.

9. Your Privacy Choices

You may contact us to request access to, correction of, or deletion of certain personal information, subject
to legal, regulatory, business, or recordkeeping requirements.

You may unsubscribe from marketing emails by using the unsubscribe link included in those emails.

You may opt out of SMS/text messages at any time by replying STOP.

10. Third-Party Links

Our website may contain links to third-party websites, lenders, service providers, or external resources. We
are not responsible for the privacy practices, content, or security of third-party websites. You should review
the privacy policies of any external websites you visit.

11. Children’s Privacy

Our website and services are intended for adults and are not directed to children under the age of 13. We
do not knowingly collect personal information from children.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an
updated effective date. Your continued use of our website or services after changes are posted means you
accept the updated Privacy Policy.

13. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact us:
Ridgemont Lending Group Ltd
Website: www.ridgemontlending.com
Email: [email protected]
Phone: 604-518-3593