Privacy Policy

Last Updated: August 13, 2026

First Rate Financial Group (“First Rate Financial Group,” “FRFG,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit frfgp.com (the “Website”), contact us, request information about our services, or otherwise interact with us.

By using this Website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

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

• Complete a contact form or other form on our Website;
• Request information about mortgage, lending, real estate, or related services;
• Communicate with us by telephone, email, or text message;
• Apply for or inquire about financing or other services; or
• Otherwise interact with First Rate Financial Group.

Depending on the nature of your interaction with us, information we collect may include:

• Name;
• Email address;
• Telephone or mobile phone number;
• Mailing address;
• Information included in messages or inquiries you submit;
• Information related to your mortgage, loan, property, or real estate inquiry;
• Financial or transactional information when necessary to provide requested services; and
• Other information you voluntarily provide to us.

We may also automatically collect certain technical information when you visit our Website, such as your IP address, browser type, device type, operating system, referring website, pages visited, and general Website usage information.

2. How We Use Your Information

We may use information we collect to:

• Respond to inquiries and requests;
• Provide information about our mortgage, lending, real estate, or related services;
• Process and service transactions or applications;
• Communicate with you regarding your inquiry, application, loan, appointment, or services;
• Send communications that you have requested or consented to receive;
• Operate, maintain, secure, and improve our Website;
• Analyze Website usage and performance;
• Prevent fraud, misuse, or security incidents;
• Maintain business and regulatory records;
• Comply with applicable laws, regulations, legal processes, and regulatory requirements; and
• Protect the rights, safety, and property of First Rate Financial Group, our customers, and others.

We do not use personal information for purposes materially different from those described in this Privacy Policy without providing appropriate notice or obtaining consent where required.

3. SMS and Text Message Communications

If you provide your mobile telephone number and consent to receive SMS communications from First Rate Financial Group, we may send you text messages related to your interactions with us, including loan application, mortgage and lending updates, appointment reminders, customer service communications, and other communications you have requested or consented to receive.

Message frequency may vary. Message and data rates may apply depending on your mobile carrier and service plan.

You may opt out of SMS communications at any time by replying STOP to a message. After opting out, you may receive a confirmation message indicating that you have been unsubscribed. For assistance, reply HELP or contact First Rate Financial Group using the contact information provided below.

Consent to receive SMS messages is not a condition of obtaining services or making a purchase.

Protection of SMS Information

No mobile information or SMS opt-in consent will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Information sharing with subcontractors who directly support our services (e.g., customer service platforms) is limited to that support and excludes SMS opt-in data.

This information is used solely to facilitate communications requested or authorized by the customer and to provide messaging services.

We do not sell SMS consent information or mobile telephone numbers.

4. How We Share Information

We may disclose personal information when reasonably necessary to operate our business and provide requested services, including to:

Service Providers

We may use third-party companies to perform services on our behalf, such as Website hosting, information technology, analytics, communications, document processing, customer relationship management, professional services, or other business operations.

These providers may receive access to information only as reasonably necessary to perform services for us and are expected to safeguard that information.

Business and Transaction Partners

Where necessary to provide a service or complete a transaction you have requested, information may be provided to appropriate lenders, financial institutions, settlement or escrow providers, real estate professionals, credit or verification providers, or other parties involved in the transaction, subject to applicable law.

Legal and Regulatory Requirements

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law or regulation;
• Respond to a subpoena, court order, regulatory request, or other lawful process;
• Cooperate with governmental or law enforcement authorities;
• Enforce our agreements or policies; or
• Protect our rights, property, customers, or others.

Business Transfers

If First Rate Financial Group is involved in a merger, acquisition, sale of assets, restructuring, financing, or similar business transaction, information may be transferred as part of that transaction, subject to applicable legal requirements.

The sharing practices described in this section do not override the protections applicable to SMS consent and text-message opt-in information described in Section 3.

5. Cookies and Website Technologies

Our Website may use cookies and similar technologies to operate the Website, remember preferences, understand Website traffic, measure performance, and improve the user experience.

We may also use third-party analytics or technology providers that collect information about Website usage.

You can generally control cookies through your browser settings. Disabling certain cookies may affect the functionality or performance of portions of the Website.

6. Third-Party Websites

Our Website may contain links to websites or services operated by third parties.

First Rate Financial Group is not responsible for the privacy, security, content, or practices of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, loss, or misuse.

However, no website, electronic transmission, or information-storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted to or stored by us.

8. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, provide requested services, maintain appropriate business records, comply with legal or regulatory obligations, resolve disputes, and enforce agreements.

Retention periods may vary depending on the type of information, the services involved, and applicable legal or regulatory requirements.

9. Your Privacy Choices

Depending on your relationship with First Rate Financial Group and applicable law, you may have choices regarding how we communicate with you or use your information.

You may:

• Opt out of SMS messages by replying STOP;
• Request assistance regarding SMS messages by replying HELP;
• Unsubscribe from marketing emails using the unsubscribe instructions provided in those communications, where applicable;
• Adjust cookie settings through your browser; or
• Contact us regarding questions or requests concerning your personal information.

Opting out of marketing communications does not prevent us from sending communications that are necessary to provide services you requested, complete transactions, respond to inquiries, or satisfy legal or regulatory requirements.

10. California Privacy Rights

California residents may have certain rights concerning their personal information under applicable California privacy laws.

Depending on the law applicable to your information and your relationship with First Rate Financial Group, these rights may include the right to request:

• Information about the categories and specific pieces of personal information we have collected;
• Information about the purposes for which personal information is collected or used;
• Information regarding categories of third parties to whom personal information has been disclosed;
• Correction of inaccurate personal information;
• Deletion of certain personal information, subject to legal exceptions; and
• Other rights provided under applicable California law.

Certain information collected or processed in connection with financial products or services may be governed by other federal or state privacy laws and may therefore be exempt from some California consumer privacy requirements.

We will not unlawfully discriminate against you for exercising privacy rights available to you under applicable law.

To submit a privacy request, please contact us using the information provided in the Contact Us section below. We may need to verify your identity before completing certain requests.

11. Children’s Privacy

Our Website and services are intended for adults and are not directed to children under the age of 16.

We do not knowingly collect personal information from children under 16 through the Website. If we learn that we have collected personal information from a child under 16 without appropriate authorization, we will take reasonable steps to delete it.

12. Do Not Track

Some web browsers provide a “Do Not Track” (“DNT”) setting. Because there is not currently a universally accepted standard for responding to DNT signals, our Website may not respond to all DNT signals.

Where required by applicable law, we will honor legally recognized browser-based privacy preference signals.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our business practices, services, technology, or legal and regulatory requirements.

When we make changes, we will update the Last Updated date at the top of this Privacy Policy. Material changes may also be communicated through additional notices where appropriate or required by law.

We encourage you to review this Privacy Policy periodically.

14. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your personal information, please contact:

First Rate Financial Group
Phone: (818) 707-4131
Website: frfgp.com

For privacy-related requests, you may also contact First Rate Financial Group using the contact form available on our Website.

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First Rate Financial Group
Real Estate Broker – California Department of Real Estate
License #02075839