1. Introduction and Scope

Riviera Financial Partners, Inc. (“Riviera Financial Partners,” “Riviera,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information entrusted to us. This Privacy Policy describes how we collect, receive, use, disclose, retain, and protect information when you visit our website at rivierafinancial.com (the “Website”), submit an inquiry, request information about financing options, communicate with our advisors, or otherwise interact with our business.

Riviera Financial Partners provides real estate finance and mortgage-related services, including information and assistance concerning residential mortgage financing, jumbo and high-balance loans, alternative income documentation programs, investment property financing, and other lending solutions that may be available to eligible borrowers. The products and services available to you will depend on applicable eligibility requirements, lender guidelines, underwriting criteria, and other relevant factors.

This Privacy Policy applies to information collected through the Website, its contact and inquiry forms, our electronic communications, and other interactions that expressly refer to this Policy. Additional privacy notices, disclosures, or agreements may apply to particular financing programs, lending transactions, applications, or services.

This Policy is intended to describe our general privacy practices. It does not replace any separate privacy notice required under applicable federal or state financial privacy laws, including the Gramm-Leach-Bliley Act (GLBA), where applicable, or any privacy disclosure provided by a lender, creditor, mortgage broker, or other financial institution involved in a transaction.

By using the Website, you acknowledge that you have had the opportunity to review this Privacy Policy. Where applicable law requires consent to a particular collection or processing activity, we will seek that consent separately.

2. Our Role in Real Estate Finance

Riviera Financial Partners assists individuals, real estate professionals, property investors, and other clients in exploring financing options and navigating real estate finance transactions.

Depending on the services requested and the structure of a particular transaction, Riviera may act in a brokerage, advisory, referral, or other capacity permitted by applicable law. Independent lenders, banks, mortgage companies, loan servicers, appraisal firms, title and escrow companies, credit reporting agencies, and other third parties may participate in a financing transaction.

Our role and the parties involved may affect how personal information is collected, used, and disclosed. Third-party financial institutions may have their own privacy notices and legal obligations. We encourage you to review those notices when interacting directly with another lender or service provider.

This Website is intended to provide general information about our company and available financing solutions. A Website inquiry is not, by itself, a mortgage application, a loan approval, a commitment to lend, or an offer to extend credit. Any financing remains subject to the applicable application process, underwriting, documentation, lender approval, and definitive transaction terms.

3. Information We Collect

The information we collect depends on how you interact with Riviera Financial Partners, the nature of your inquiry, and the services you request. We seek to collect information reasonably relevant to the purposes described in this Policy, subject to applicable law.

3.1 Information You Provide Directly

You may voluntarily provide information when completing a contact form, requesting financing information, communicating with an advisor, subscribing to marketing communications, or otherwise interacting with us.

Depending on the circumstances, this information may include:

Identity and Contact Information

• First and last name.
• Email address and telephone number.
• Mailing address, property address, city, state, and ZIP code.
• Preferred method of communication.
• Professional affiliation, company name, job title, or real estate license information, where relevant.

Financing Inquiry Information

• The type of financing or lending program in which you are interested.
• Requested loan amount, estimated property value, and intended transaction amount.
• Property type, location, occupancy status, and intended use.
• Whether the transaction concerns a purchase, refinance, investment property, or another real estate financing purpose.
• Estimated down payment, available equity, or other general financing information.
• Desired financing terms, timing, and transaction objectives.
• Other information you choose to include in a message or inquiry.

Borrower and Financial Information

If you proceed beyond a general inquiry and participate in a financing process, we or the appropriate lender or service provider may request information relevant to evaluating the transaction, which may include:

• Employment, occupation, business ownership, and income information.
• Bank statements, asset statements, and other financial records.
• Tax returns or other income documentation, when required by the applicable program.
• Credit history, liabilities, debt obligations, and payment history.
• Information regarding existing mortgages, real estate holdings, and other assets.
• Business financial statements, profit-and-loss statements, or other business records, where relevant.
• Information concerning the source of funds, down payment, reserves, or funds needed to close.
• Information needed to verify identity, prevent fraud, or satisfy applicable legal requirements.

Property and Transaction Information

• Purchase agreements, property listings, and transaction documents.
• Property appraisals, valuations, and inspection information.
• Title, escrow, insurance, and existing mortgage information.
• Lease agreements, rental income information, and projected property income, where relevant.
• Information about the property owner, seller, buyer, real estate agent, or other transaction participants, where necessary.

Communications and Correspondence

• Messages submitted through our Website.
• Emails, telephone communications, and other correspondence.
• Preferences, questions, feedback, and information provided during discussions with our advisors.
• Documents and records shared in connection with a financing inquiry or transaction.

Please do not submit Social Security numbers, complete financial account numbers, passwords, or other highly sensitive information through a general Website contact form unless the form specifically requests that information through an appropriate process. We may direct you to a designated application or document submission method when more sensitive information is needed.

3.2 Information Collected Automatically

When you visit the Website, certain information may be collected automatically by our hosting environment, Website functionality, security tools, analytics services, and other technologies.

Depending on the technologies enabled, this information may include:

• Internet Protocol (IP) address.
• Browser type, version, language, and operating system.
• Device type and technical identifiers.
• Approximate geographic location inferred from an IP address.
• Pages visited, time spent on pages, navigation paths, and interactions with Website content.
• Referring and exit pages, referring websites, and campaign information.
• Date and time of access.
• Website performance data, diagnostic information, error reports, and server logs.
• Cookie identifiers and similar tracking information.

We may use this information to operate the Website, understand general visitor activity, improve content and functionality, maintain security, and investigate suspicious or unauthorized activity.

3.3 Cookies and Similar Technologies

The Website may use cookies, pixels, tags, scripts, local storage, and similar technologies to support essential Website functions, remember preferences, measure traffic, understand marketing performance, and, if enabled, support advertising activities.

These technologies may be provided by Riviera or by third-party service providers. The information collected depends on the technologies configured on the Website.

Where required by law, nonessential cookies and similar tracking technologies will be used only after the required consent has been obtained. You may be able to manage your choices through a Website cookie preference tool or your browser settings.

Disabling certain cookies may affect some Website features. For additional information, please review our separate Cookie Policy, if available.

3.4 Information Received from Third Parties

Where permitted by law and relevant to the services requested, we may receive information from third parties, including:

• Lenders, banks, mortgage companies, and other financial institutions.
• Real estate agents, brokers, property investors, and other professional referral sources.
• Title, escrow, appraisal, insurance, and transaction service providers.
• Credit reporting agencies and identity verification providers, where authorized and appropriate.
• Fraud prevention, compliance, and risk management service providers.
• Publicly available property records and other lawful public sources.
• Website analytics, communications, advertising, and technology providers.
• Individuals who provide information about a transaction in which you are involved.

The information received may include contact details, property information, financing status, transaction details, and other information relevant to a requested service.

We do not represent that every category of information described in this Section is collected in every transaction. Actual collection depends on the services provided, applicable law, and the circumstances involved.

3.5 Sensitive Personal Information

Certain information collected in a mortgage or financial transaction may be considered sensitive personal information under applicable law. This may include Social Security numbers, government identification numbers, financial account credentials, precise geolocation information, or other information classified as sensitive by law.

Where such information is required, it should be collected and processed only for appropriate and lawful purposes, using suitable procedures and safeguards. We seek to limit access to sensitive information to individuals and service providers who need it for an authorized business, transaction, security, or compliance purpose.

We do not ask visitors to disclose sensitive information merely to browse the Website. If a financing process requires sensitive documentation, the appropriate collection method and applicable disclosures may be provided separately.

3.6 Information About Other Individuals

If you provide information about a co-borrower, property owner, business partner, guarantor, real estate professional, or another individual, you should have the authority to provide that information and should inform the individual as appropriate.

You should not submit another person’s sensitive personal information unless it is reasonably necessary for the requested transaction and you are authorized to provide it.

4. How We Use Personal Information

Subject to applicable law, Riviera Financial Partners may use personal information for the following purposes.

4.1 Responding to Inquiries and Providing Services

We may use your information to:

• Respond to requests for information about Riviera and its services.
• Understand your general financing objectives and property-related needs.
• Discuss potentially relevant lending programs.
• Communicate with you about financing options, transaction requirements, and next steps.
• Coordinate with appropriate lenders and service providers when authorized.
• Provide requested information and support throughout a financing inquiry or transaction.

4.2 Evaluating Financing Opportunities

Where you request assistance with a potential financing transaction, information may be used to help determine which programs may be relevant to your stated objectives, identify documentation requirements, coordinate the application process, and facilitate communication with participating lenders or other authorized parties.

Any formal credit evaluation, underwriting decision, or determination of eligibility will be made by the appropriate party under the applicable program and legal requirements. A preliminary discussion or general Website inquiry does not guarantee that a particular loan will be available or approved.

4.3 Communication and Customer Service

We may use your contact details to:

• Respond to questions and follow up on inquiries.
• Schedule calls, consultations, or transaction-related discussions.
• Provide requested updates and relevant documentation.
• Address service concerns and resolve administrative issues.
• Maintain records of communications and requests.

4.4 Business Operations and Relationship Management

We may use information to maintain business records, manage relationships with borrowers and real estate professionals, administer our operations, coordinate transactions, maintain contact preferences, and improve the quality and consistency of our services.

4.5 Marketing and Business Development

Subject to applicable law and your communication preferences, we may use contact information to send company news, real estate finance updates, information about lending programs, educational content, and other communications that may be relevant to your professional or financing interests.

You may opt out of marketing emails at any time using the unsubscribe mechanism provided in the message, where available. You may also contact us using the contact information provided in this Policy.

Opting out of marketing communications will not necessarily stop service-related, transactional, legal, or other nonmarketing communications that we are permitted or required to send.

4.6 Website Analytics and Improvement

We may analyze Website usage and technical information to understand visitor interests, evaluate the performance of Website pages and marketing campaigns, improve navigation, maintain functionality, and develop more useful content.

Where required, analytics and similar technologies will be subject to applicable consent and privacy requirements.

4.7 Security and Fraud Prevention

We may use relevant information to detect suspicious activity, prevent unauthorized access, protect our systems, investigate potential fraud, enforce Website terms, and protect Riviera Financial Partners, our clients, and other parties.

4.8 Legal and Regulatory Compliance

We may process and disclose information when reasonably necessary to comply with applicable laws, regulations, licensing requirements, legal process, recordkeeping obligations, and other lawful requirements.

4.9 Establishing, Exercising, or Defending Legal Claims

Where permitted by law, we may use relevant information to investigate, establish, exercise, or defend legal claims; resolve disputes; enforce agreements; and protect our legal rights and legitimate business interests.

4.10 Other Purposes With Your Direction or Consent

We may use information for additional purposes that are disclosed to you at the time of collection or that you authorize, where permitted by applicable law.

5. Legal Grounds for Processing

Where applicable law requires a legal basis for processing personal information, the relevant basis may include:

• Requested services and pre-transaction activities: Responding to your inquiry and taking steps you request in connection with a potential financing transaction.
• Legal obligations: Complying with applicable laws, regulations, court orders, and other legal requirements.
• Legitimate business interests: Operating and improving the Website, maintaining business relationships, preventing fraud, protecting systems, and managing our business, where those interests are not overridden by applicable privacy rights.
• Consent: Conducting activities for which your consent is required, including certain marketing or tracking activities where applicable.

The legal basis for a particular activity will depend on the information involved, the nature of the service, and the law that applies.

6. How We Share Personal Information

Riviera Financial Partners may disclose personal information to the categories of recipients described below, subject to applicable law and any required notices or permissions.

6.1 Lenders and Financial Institutions

If you request assistance with financing, relevant information may be shared with prospective or participating lenders, banks, mortgage companies, or other financial institutions to facilitate a requested transaction, evaluate available programs, obtain terms, or coordinate an application.

The information shared will depend on the stage of the transaction and what is reasonably necessary for the relevant purpose. A lender that receives your information may collect additional information directly from you and may handle that information under its own privacy policy and applicable legal obligations.

6.2 Real Estate and Transaction Professionals

Where appropriate and authorized, we may share relevant information with real estate agents, brokers, title companies, escrow companies, appraisers, insurance providers, settlement service providers, and other professionals involved in a transaction.

Information may be shared to coordinate transaction milestones, obtain or verify property-related documentation, communicate about closing requirements, and support the requested financing process.

6.3 Service Providers and Contractors

We may engage third-party providers to perform services on our behalf, such as:

• Website hosting and infrastructure.
• Cloud storage and document management.
• Email delivery and business communications.
• Customer relationship management systems.
• Website analytics and performance monitoring.
• Cybersecurity, fraud prevention, and technical support.
• Electronic signatures and document processing.
• Scheduling and business administration.
• Marketing campaign management.
• Professional, accounting, legal, and compliance support.

These providers may access information when needed to perform their assigned services. Where appropriate, we use contractual terms and other measures intended to limit their use of information to authorized purposes and to require appropriate protection.

6.4 Professional Advisors

We may disclose information to our attorneys, accountants, auditors, insurance providers, consultants, and other professional advisors when reasonably necessary to obtain professional services, manage risk, comply with legal obligations, or protect our business interests.

6.5 Legal Requirements and Protection of Rights

We may disclose information when we reasonably believe disclosure is required or permitted by law, regulation, court order, subpoena, or other lawful process, or when necessary to investigate fraud, respond to a security incident, enforce an agreement, or protect the rights, safety, and property of Riviera Financial Partners or others.

Where legally permitted and appropriate, we may take reasonable steps to limit the scope of a disclosure.

6.6 Business Transfers

If Riviera Financial Partners is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, relevant information may be disclosed to the parties involved and transferred as part of the transaction, subject to applicable confidentiality, privacy, and legal requirements.

6.7 At Your Direction or With Your Consent

We may disclose information to other parties when you direct us to do so, authorize the disclosure, or otherwise provide consent where required by law.

6.8 Affiliates and Related Businesses

If Riviera Financial Partners works with affiliated entities or related businesses, information may be shared with those entities only where permitted by law and for the relevant disclosed purposes. Any sharing subject to financial privacy restrictions will be handled in accordance with applicable requirements.

6.9 No Unrelated Disclosure for Third-Party Purposes

We do not intend to disclose personal information for purposes unrelated to the services, operations, or activities described in this Policy without an appropriate legal basis or any consent required by law.

Important: Riviera Financial Partners should confirm its actual information-sharing practices and any applicable financial privacy obligations before publishing this Section. Any statement about selling, sharing, or using information for targeted advertising must reflect the Website’s actual configuration and business practices.

7. Sale, Sharing, and Targeted Advertising

Some privacy laws define “sale,” “sharing,” or targeted advertising more broadly than an ordinary exchange of personal information for money. Certain disclosures involving advertising technology, analytics, or other third-party tracking tools may be covered by these definitions, depending on the circumstances.

Riviera Financial Partners will describe its practices in accordance with applicable law. Where a legally required right to opt out of a sale or sharing of personal information applies, we will provide the required method for exercising that right.

If the Website uses third-party advertising pixels, cross-context behavioral advertising tools, or similar technologies that trigger applicable opt-out rights, visitors may have the right to opt out of those activities. Any applicable cookie preference tool or privacy request mechanism should be used in accordance with the instructions provided on the Website.

We will not represent that personal information is never sold or shared unless that statement has been verified against our actual practices, service-provider arrangements, and Website tracking configuration.

8. Financial Information and Applicable Financial Privacy Laws

Information collected in connection with mortgage or other financial services may be subject to additional privacy requirements, including the Gramm-Leach-Bliley Act and its implementing regulations, where applicable.

Depending on the nature of a transaction and Riviera Financial Partners’ role, separate financial privacy notices may describe:

• The categories of nonpublic personal information collected.
• The sources of that information.
• The categories of information disclosed to affiliates or nonaffiliated third parties.
• The purposes for which information is used.
• Any applicable rights to limit certain disclosures.
• The safeguards used to protect nonpublic personal information.

This Website Privacy Policy is not intended to replace a separate financial privacy notice required by law. If a separate notice applies to your relationship or transaction, that notice will govern the matters it specifically addresses to the extent required by applicable law.

You should also review the privacy disclosures provided by any lender or financial institution that independently collects or maintains your application or financial information.

9. Data Retention

Riviera Financial Partners retains personal information for as long as reasonably necessary for the purposes described in this Policy, subject to applicable legal, regulatory, contractual, and business requirements.

Retention periods may vary based on the type of information, the nature of the relationship, the stage of a transaction, and any applicable recordkeeping obligations.

Examples include:

• General Website Inquiries: Retained for a period appropriate to respond to the inquiry, maintain relevant business records, and manage follow-up communications.
• Marketing and Professional Contacts: Retained while the relationship remains relevant or until an applicable opt-out or deletion request is processed, subject to lawful recordkeeping needs.
• Financing and Transaction Records: Retained as necessary to administer the transaction and satisfy applicable contractual, legal, regulatory, and business requirements.
• Compliance and Verification Records: Retained for the period required or permitted by applicable laws and regulations.
• Website Analytics and Technical Logs: Retained according to the settings of the applicable systems and the purposes for which the information is collected.
• Dispute and Legal Records: Retained as reasonably necessary to investigate, resolve, establish, or defend claims and meet legal obligations.

When personal information is no longer reasonably necessary and no legal or other permitted retention basis applies, we will take reasonable steps to delete, de-identify, or securely dispose of it.

Specific retention periods may be established in our internal retention procedures or in separate notices or agreements applicable to a particular transaction.

10. Data Security

Riviera Financial Partners seeks to maintain reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, loss, and destruction.

Depending on the information and systems involved, safeguards may include access restrictions, account permissions, authentication controls, secure transmission methods, service-provider oversight, system monitoring, and procedures for handling information appropriately.

The level of protection applied may vary based on the nature and sensitivity of the information, the risks involved, the systems used, and applicable legal requirements.

No website, electronic communication system, storage environment, or method of transmitting information can be guaranteed to be completely secure. We therefore cannot promise absolute security.

You should use caution when transmitting sensitive information and avoid sending highly confidential financial information through ordinary email or general Website forms unless the relevant process expressly supports that submission. Where appropriate, we may direct you to a designated method for providing financial records or other sensitive documents.

If you believe that information submitted to Riviera Financial Partners has been compromised, please contact us using the information provided in Section 20.

11. Data Breach and Security Incident Response

If we become aware of a security incident involving personal information, we will take steps appropriate to the circumstances to investigate the incident, mitigate potential harm, and address vulnerabilities.

Where required by applicable law, we will provide notifications to affected individuals, regulators, or other parties within the applicable timeframes and in accordance with the relevant requirements.

The nature and timing of any notification will depend on the circumstances of the incident and the legal obligations that apply.

12. Your Privacy Rights and Choices

Depending on your state of residence, the nature of your relationship with Riviera Financial Partners, the type of information involved, and applicable legal exceptions, you may have certain rights concerning your personal information.

These rights may include the ability to request access to information, obtain information about our processing practices, request correction or deletion, receive a copy of certain information, or opt out of specified processing activities.

Some rights may be subject to exceptions, including requirements to retain records, complete a requested transaction, comply with law, detect fraud, maintain security, or establish or defend legal claims.

12.1 California Privacy Rights

California residents may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”), to the extent the law applies to Riviera Financial Partners and the relevant information.

Subject to applicable requirements and exceptions, these rights may include:

Right to Know and Access. You may have the right to request information about the categories and specific pieces of personal information collected about you, the categories of sources, the purposes of collection, and the categories of third parties to whom information is disclosed.

Right to Delete. You may have the right to request deletion of personal information, subject to exceptions permitted by law.

Right to Correct. You may have the right to request correction of inaccurate personal information maintained about you.

Right to Data Portability. You may have the right to receive certain personal information in a portable format, subject to applicable requirements.

Right to Opt Out of Sale or Sharing. Where applicable, you may have the right to opt out of the sale or sharing of personal information as those terms are defined by California law.

Right to Limit Certain Uses of Sensitive Personal Information. Where applicable, you may have the right to limit certain uses and disclosures of sensitive personal information beyond permitted purposes.

Right to Non-Discrimination. We will not unlawfully discriminate against you for exercising privacy rights protected by applicable law.

The availability and scope of these rights depend on the law’s applicability, the category of information, and any relevant exceptions. Information subject to certain financial privacy laws may be exempt from some CCPA requirements, and the application of those exemptions depends on the circumstances.

12.2 Other State Privacy Rights

Residents of other states may have additional rights under applicable state privacy laws, subject to their respective definitions, applicability thresholds, exceptions, and procedures.

Where applicable, such rights may include access, correction, deletion, portability, and the ability to opt out of certain targeted advertising, sale, or profiling activities.

We will assess requests in accordance with the law applicable to the individual and the information involved.

12.3 How to Submit a Privacy Request

To submit a privacy request, contact Riviera Financial Partners using the contact details in Section 20 and identify the nature of your request.

Please provide enough information for us to understand and process your request. We may need to verify your identity before responding and may request additional information where reasonably necessary to prevent unauthorized disclosure.

If an authorized agent submits a request on your behalf, we may require evidence of the agent’s authority and, where permitted by law, verification of your identity.

We will respond within the timeframe required by applicable law. If a request cannot be fulfilled in whole or in part, we will explain the basis for our decision where required.

12.4 Appeals

If applicable state law gives you the right to appeal a decision concerning your privacy request, you may submit an appeal by responding to our decision or contacting us with the subject line “Privacy Request Appeal.” We will review the appeal and respond within the timeframe required by applicable law.

12.5 Marketing Preferences

You may opt out of marketing emails using the unsubscribe link provided in the message, where available, or by contacting us directly.

Even after you opt out, we may continue to send communications necessary to respond to a request, administer an active transaction, meet legal obligations, or provide other nonmarketing communications permitted by law.

12.6 Cookie and Tracking Preferences

You may manage cookies through the Website’s consent interface, if available, and through your browser settings. Where required, we will provide mechanisms to exercise applicable opt-out rights for nonessential tracking or advertising activities.

Browser-based privacy signals, including Global Privacy Control (GPC), will be handled as required by applicable law when the signal is recognized and applies to the relevant processing activity.

12.7 Financial Privacy Exceptions

Certain information and activities may be subject to exceptions under applicable financial privacy laws or other legal requirements. For example, some information maintained or processed under the GLBA may be treated differently under state privacy laws.

The availability of a particular privacy right will be determined under the law applicable to the request and the information involved.

13. Communications, Email, and Text Messages

If you provide your contact information, we may contact you to respond to an inquiry, discuss a requested service, coordinate a financing transaction, or provide communications consistent with your preferences and applicable law.

If we send marketing emails, you may unsubscribe using the instructions included in the message. We will process opt-out requests within the timeframe required by applicable law.

If we offer text-message communications, those communications will be subject to any applicable consent requirements and the terms disclosed when you enroll. You may opt out of marketing text messages using the instructions provided in the relevant message, where available.

Providing a telephone number or email address does not, by itself, constitute consent to receive every category of marketing communication. Where consent is required, we will seek it through an appropriate process.

We may retain records of communication preferences and opt-out requests to respect your choices and demonstrate compliance with applicable requirements.

14. Third-Party Websites, Platforms, and Services

The Website may contain links to third-party websites, online application systems, lender portals, document platforms, social media services, or other external resources.

These third parties may collect information directly from you under their own privacy policies, terms, and security practices. Riviera Financial Partners does not control the privacy practices of independent third-party websites and is not responsible for their policies or content.

A link to an external website does not necessarily constitute an endorsement of that website or its privacy practices.

Before submitting personal or financial information through an external service, review the relevant provider’s privacy notice and confirm that you are using the intended website or application portal.

15. Children’s Privacy

The Website and our general real estate finance services are not directed to children under the age of 13, and we do not knowingly collect personal information online from children under 13 without any consent required by applicable law.

We do not intentionally seek personal information from minors through general Website inquiries. If we learn that personal information has been collected from a child in circumstances that require deletion or other action under applicable law, we will take appropriate steps.

If you believe a child has provided personal information through the Website, please contact us using the information in Section 20.

16. International Visitors

The Website is operated in the United States and is primarily intended for individuals and businesses interacting with Riviera Financial Partners in connection with U.S. real estate finance services.

If you access the Website from outside the United States, information you provide may be processed in the United States or in other locations where our service providers operate. Privacy and data protection laws in those locations may differ from the laws in your jurisdiction.

Where applicable law requires a particular disclosure, safeguard, or transfer mechanism for international transfers, we will address that requirement as appropriate to the circumstances.

17. Do Not Track and Privacy Signals

Some browsers offer a “Do Not Track” setting intended to communicate a user’s preference concerning online tracking. There is no single universal standard governing all uses of these signals.

We will respond to recognized privacy signals, including Global Privacy Control, as required by applicable law and to the extent the signal applies to the relevant activity.

The effect of a browser setting or privacy signal may depend on the technology involved, the Website configuration, and the legal requirements that apply.

18. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our services, Website functionality, information practices, service providers, or legal requirements.

When we make changes, we will update the “Last Updated” date at the beginning of this Policy. Where required by law, we will provide additional notice or obtain consent for material changes.

The revised Policy will apply from its stated effective date, subject to applicable legal requirements. We encourage you to review this page periodically to remain informed about our privacy practices.

19. Additional Notices and Transaction-Specific Disclosures

This Privacy Policy should be read together with any additional disclosures that apply to a specific service, financing application, or transaction.

Depending on the circumstances, these may include:

• Financial institution privacy notices.
• Mortgage application and borrower disclosures.
• Credit authorization and consumer reporting disclosures.
• Electronic communication and signature consent disclosures.
• Cookie consent and tracking notices.
• Data collection notices provided at the point of submission.
• Other notices required by applicable federal or state law.

If a separate notice or agreement specifically governs the collection or use of particular information, that notice or agreement will apply to the extent provided by its terms and applicable law.

Nothing in this Policy is intended to waive, limit, or override a privacy right or legal obligation that cannot lawfully be waived or limited.

20. Contact Riviera Financial Partners

If you have questions about this Privacy Policy, wish to inquire about our privacy practices, or would like to submit a privacy request, please contact us using the following information:

Riviera Financial Partners, Inc.
315 South Beverly Drive, Suite 501
Beverly Hills, California 90212
Website: https://rivierafinancial.com

Please identify your communication as a “Privacy Policy Inquiry” or “Privacy Rights Request,” as appropriate, and provide sufficient information for us to understand the nature of your inquiry.

Do not include Social Security numbers, passwords, full financial account numbers, or other highly sensitive information in an initial general inquiry.