Privacy Policy

Last Updated 8/7/2024

Welcome to https://www.raincitycapitalor.com - the official website (the “Website”) of Rain City Capital of Oregon LLC and its subsidiaries and affiliates (collectively referred to as “Rain City,” “we,” “us,” or “our”), This Website was created to provide information about our company and our real estate lending services, mobile applications, service and network, including any new features and applications and related services and products (together with the Website, the “Services”) to our service visitors (“you”, “your”, or “user”). 

This Privacy Policy explains how we collect, store, use and protect information that you provide, directly or in connection with your use of the Services or indirectly through third-parties, to obtain funding products or services available through the Services.  This Privacy Policy also describes your choices regarding your information.  We may addend this Privacy Policy from time to time by posting a revised, dated version on the Services.  By using the Website or Services, you consent to the data practices set forth in this Privacy Policy. 

Information We Collect

When you interact with us through the Services, we may collect or use your personal or business information. Business information includes information from users, prospective borrowers and guarantors including, but not limited to bank account information, mailing address, business name(s), financials, and other information disclosed in a loan application.  Personal information also consists of personally identifiable information, including, but not limited to, your name, mailing address, email address, telephone number, date of birth, social security number, and estimated FICO score. Personal and/or business information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you, your household, or your business (referred to as “User Information”). User Information does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information. 

We collect User Information from you when you (i) register on the Services, (ii) fill out forms or fields on the Services, (iii) complete an application for a product or service available through the Services or (iv) communicate with us by email, mail, text, telephone, facsimile or other electronic means. In the course of providing the Services, we may collect additional User Information from third parties, including, but not limited to, brokers, referral partners, identity verification services, mailing list providers, credit bureaus, and publicly available sources, and may combine this information with information we already have about you. 

We also collect general information (i.e., non-personally identifiable information such as website-use information) that is automatically collected as you interact with the Services (“General Information”).  

General Information Collected Automatically

We collect General Information from your computer, mobile device or other access device when you use the Website (including downloading and using a mobile application or accessing a mobile optimized site), view content about the Services on a third-party website or open emails or links in emails from us. This General Information includes, but is not limited to, information about (i) your Internet connection; (ii) the equipment you use to access the Site and usage details; (iii) your operating system, browser version and IP address; (iv) your mobile device type, your device’s unique identifier and your mobile network information, and (v) web pages or advertisements that you view and information that you search for on the Website. As is true of most Services, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data. We may link this automatically collected data to other information we collect about you. 

We and our business partners, affiliates, or analytics or service providers use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by such companies on an individual and aggregated basis. 

We also use analytics software to allow us to better understand the functionality of our applications. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any personally identifiable information you submit within the mobile application. 

Use of Information

We use your User Information and General Information collected through the Services to:  

  • create and activate your account;

  • enable users to obtain products and services through the Services;

  • facilitate and manage financing; 

  • facilitate activities and transactions that occur in connection with lending, servicing, underwriting, marketing, and collections; 

  • provide customer support;  

  • operate our Website and measure performance of and improve Services; 

  • protect against potentially prohibited or illegal activities, including fraud; 

  • fulfill legal obligations, or to comply with laws, regulations, or legal orders;   

  • customize and enhance user experience; 

  • provide targeted marketing and advertising; 

  • manage and protect our information technology infrastructure; 

  • administer and manage the security of the Services; or 

  • compile, use, research, analyze, and generate data analytics reports to better understand our customers. 

Disclosure of Information

Rain City may disclose your User Information or General Information with business partners, agents, consultants, service providers, or certain third parties under the following circumstances:  

  • to our affiliates or subsidiaries for purposes consistent with this Privacy Policy;

  • to support our business operations including, but not limited to, customer service, fraud prevention, secure data storage, and other similar services; 

  • in the event of a corporate sale, merger, reorganization, dissolution or similar event, User Information may be part of the transferred assets or business;

  • to a third party with your consent; 

  • to fulfill the purpose for which you provide such information; 

  • to comply with state, federal or local laws, rules and applicable regulations; 

  • to comply with civil, criminal or regulatory investigations, subpoenas, summons, or bankruptcy notices by federal, state or local authorities;  

  • to respond to judicial process or government regulatory authorities that have jurisdiction over us for examination, compliance or other purposes as authorized by law; or 

  • to protect and defend our rights in property, or to act in urgent circumstances or protect the personal safety of users of the Services or public. 

Rain City does not sell your User Information or General Information.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who submits a loan application.

Other Terms and Conditions

Your access to and use of the Services is subject to the Terms of Service at https://www.raincitycapitalor.com/legal-terms

Your Choices

If you prefer not to allow cookies, on most web browsers, you will find a “help” section on the toolbar where you can set up rules to manage cookies, such as how to receive notifications when receiving a new cookie or how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features. Limiting cookies may stop you from saving customized settings, including login information. If you use a mobile device, most mobile phones allow you to control privacy settings, including location-based services by accessing the device’s setting’s menu.  

We, our affiliates or our business partners may contact you to offer you products and services that may be of interest to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails, telephone solicitations or other forms of contact from us, our affiliates, and our trusted business partners by following the unsubscribe instructions included in these emails or by contacting us at privacy@raincitycapital.com or 425-434-9009. We will respond to your request within a reasonable timeframe. Opting out of newsletter or marketing emails or notifications will not stop any non-marketing emails or notifications related to the Service’s functionality or the products or services available through the Services. 

Third Party Websites

The Services may include links to other websites or mobile applications whose privacy practices may differ from ours. We are not responsible for any practices employed on third-party websites or applications, including the information and content contained on the website or application. If you submit information to a third-party website or application, your information is governed by the third party’s privacy policy. We encourage you to carefully read the privacy policy of any website or application you visit, access or use. We are also not responsible for the accuracy of information contained on third-party websites or applications, nor do we endorse the products or services advertised or referred to on those sites. 

Children and Minors

Our Services are not intended for, and we do not knowingly collect User Information from, children under 13 years-old. If we knowingly receive a child’s personally identifiable information, we will immediately delete it from our system. 

Social Media

The Services may include social media features, such as the Facebook “Like” button and widgets, or interactive programs that run on the Services. These features may collect your IP address, which page you are visiting on our website or application, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on the Services. Your interactions with these features are governed by the privacy policy of the company providing it. 

Data Retention

We will retain your information for as long as the information is needed to provide you Services. If you wish to request that we no longer use your information to provide you Services, you may contact us at the address at the bottom of this policy. We will nonetheless retain your information to the extent that we deem necessary to comply with our legal or contractual obligations, resolve disputes or for other business purposes. 

Changes to Privacy Policy

Rain City reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any User Information. This Privacy Policy was last updated on the date indicated at the top of the Privacy Policy. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy. 

Contact Us

To keep your User Information accurate, current, and complete, please feel free to contact us so we can update our databases. Please also feel free to contact us if you have any questions about our Privacy Policy by emailing us at privacy@raincitycapital.com.