1. Introduction

Riviera Financial Partners, Inc. (“Riviera Financial Partners,” “Riviera,” “we,” “our,” or “us”) uses cookies and similar technologies on its website at https://rivierafinancial.com (the “Website”).

This Cookies Policy explains what cookies are, why we may use them, the types of information they may collect, how third-party technologies may operate on the Website, and the choices available to visitors regarding their use.

We use these technologies, where applicable, to support Website functionality, remember preferences, understand Website performance, maintain security, improve the user experience, and evaluate the effectiveness of our communications and marketing.

This Policy should be read together with our Privacy Policy and Terms and Conditions.

2. What Are Cookies?

Cookies are small text files that a website may store on a visitor’s browser or device. They allow a website to recognize a browser, remember selected preferences, maintain a session, and obtain information about how a visitor interacts with the Website.

Cookies may be set directly by Riviera or by third parties whose services are integrated into the Website.

Other technologies that may serve similar purposes include:

• Pixels and tracking tags: Small pieces of code that may measure page views, interactions, campaign performance, or advertising activity.
• Local storage: Browser-based storage that may retain preferences or other information between visits.
• Session identifiers: Identifiers used to maintain a browsing session or support website functionality.
• Web beacons: Technologies that may help determine whether a page, message, or other content has been accessed.
• Software development kits and similar tools: Technologies that may collect technical or usage information when embedded services are used.

For convenience, this Policy refers to these technologies collectively as “Cookies and Similar Technologies.”

3. Types of Cookies We May Use

The categories below describe the purposes for which cookies may be used. They do not represent a guarantee that every category is active on the Website at all times.

3.1 Strictly Necessary Cookies

These technologies are used to operate the Website and provide functions specifically requested by visitors.

Depending on the Website configuration, they may support:

• Page navigation and basic Website functionality.
• Session management and form submissions.
• Security controls and fraud prevention.
• Load balancing and server performance.
• Consent preference storage.
• Protection against unauthorized activity.
• Access to features or services requested by the visitor.

Strictly necessary cookies generally cannot be disabled through a Website preference tool without affecting essential functionality. Where applicable law requires consent for a particular technology, we will seek that consent before using it.

3.2 Functional Cookies

Functional cookies allow the Website to remember choices or preferences, such as previously selected settings, and may help provide a more consistent experience.

Depending on implementation, they may support:

• Remembering user preferences.
• Retaining accessibility-related settings.
• Maintaining language or display preferences.
• Improving the presentation of Website content.

Disabling these cookies may cause some features to operate differently or require preferences to be selected again.

3.3 Analytics and Performance Cookies

Analytics technologies may help us understand how visitors use the Website and identify opportunities to improve its performance and content.

Where implemented, these technologies may collect information such as:

• Pages viewed and links selected.
• Time spent on pages.
• Referring websites or traffic sources.
• Browser and device characteristics.
• Approximate geographic information derived from technical data.
• Navigation patterns and interactions.
• Website errors and loading performance.

We may use analytics services provided by third parties. The information collected depends on the service, its configuration, and the choices available to visitors.

We do not assume that analytics data is anonymous simply because it does not contain a visitor’s name. Certain technical identifiers and combinations of information may be treated as personal information under applicable law.

3.4 Advertising and Marketing Cookies

If advertising or campaign measurement technologies are implemented, they may be used to measure the effectiveness of advertisements, understand campaign interactions, or deliver advertisements based on browsing activity.

Depending on the technology and applicable law, these tools may allow third-party advertising providers to receive information about a browser’s interactions with the Website.

Where required by law, we will provide appropriate notices and obtain consent or offer opt-out mechanisms before engaging in activities that require them.

We will not characterize the Website as using targeted advertising, cross-context behavioral advertising, or similar practices unless those practices are actually implemented.

3.5 Security and Fraud Prevention Technologies

We may use cookies or related technologies to protect the Website, identify suspicious activity, limit automated abuse, maintain system integrity, and help prevent unauthorized access.

These technologies may process technical identifiers, session information, browser characteristics, or records of security-related interactions.

4. First-Party and Third-Party Cookies

First-party cookies are set by Riviera or by technology operating on our behalf.

Third-party cookies are set or accessed by another provider, such as an analytics, advertising, embedded-content, security, or Website infrastructure provider.

Third-party services may operate under their own privacy policies and terms. Depending on the integration, a third party may collect information directly through its technology.

We do not control every aspect of the data practices of independent third parties. We encourage visitors to review the privacy information provided by services they access.

Third-party services and cookies may change as Website features are added, removed, or updated.

5. How Long Cookies Remain on Your Device

Cookies may be classified as either session cookies or persistent cookies.

Session cookies generally remain active during a browsing session and are removed when the browser is closed or the session ends.

Persistent cookies may remain on a device until they expire or are deleted.

The duration of a cookie depends on its purpose, the provider’s settings, and the Website configuration. We do not assign a single retention period to all cookies because different technologies may operate differently.

Where required, our cookie preference tool will provide relevant information about cookie categories and retention periods.

6. Cookie Preferences and Consent

Where a cookie preference or consent tool is available, visitors may use it to manage their choices for non-essential cookies and similar technologies.

Depending on the applicable law and the Website configuration, available options may include:

• Accepting all available cookie categories.
• Rejecting non-essential cookies.
• Selecting individual categories.
• Changing previously selected preferences.
• Withdrawing consent where consent is the applicable legal basis.

Where required, non-essential cookies will not be activated before the visitor provides the necessary consent.

You may also control cookies through your browser settings. Please note that disabling certain cookies may affect the operation of forms, embedded content, preferences, and other Website features.

If the Website uses advertising or analytics technologies that are subject to applicable opt-out rights, we will provide the required controls and honor legally recognized preference signals where required.

7. Browser Controls

Most web browsers provide settings that allow users to view, delete, block, or restrict cookies.

You may be able to configure your browser to notify you when cookies are placed or to reject certain cookies. Browser controls are separate from any consent management tool offered on our Website.

Deleting cookies may remove stored preferences. Blocking cookies may also prevent certain Website features from functioning as intended.

Browser-based blocking does not necessarily disable all other technologies, such as pixels, local storage, or server-side analytics.

8. Global Privacy Control and Other Privacy Signals

Certain browsers and extensions can transmit privacy preference signals, including Global Privacy Control (“GPC”).

Where applicable law requires Riviera to recognize a valid opt-out preference signal, we will process that signal in accordance with the law and our applicable privacy procedures.

The effect of a privacy signal depends on the type of activity involved, the applicable legal requirements, and the Website’s technical configuration. A browser signal should not be assumed to disable every cookie or every form of data processing.

9. Information Collected Through Cookies

Depending on the technologies in use, information collected may include:

• IP address or related network information.
• Browser type and version.
• Operating system and device characteristics.
• Pages viewed and interactions.
• Referring URLs and traffic sources.
• Session identifiers and cookie identifiers.
• Approximate location derived from technical information.
• Date, time, and duration of Website visits.
• Consent choices and preference records.
• Error reports and security-related information.

We may combine Website usage information with other information where permitted by law and consistent with applicable privacy notices.

Visitors should not enter sensitive financial information, Social Security numbers, account credentials, or other confidential information into general Website analytics fields or URLs.

10. Cookies and Financial Information

Riviera operates in the real estate finance and mortgage lending industry. Visitors may use the Website to inquire about financing options or request contact from a financial professional.

General Website cookies are not intended to replace the secure processes that may be required for collecting mortgage application documents, credit information, income records, or other sensitive financial information.

If you submit information through a Website form, the collection and use of that information are also governed by our Privacy Policy and any separate notices or authorizations presented at the point of collection.

Do not transmit sensitive financial documents through a general inquiry form unless the form expressly provides an approved method for doing so.

11. Changes to This Policy

We may update this Cookies Policy when our Website, technology providers, business practices, or legal obligations change.

When we make changes, we will update the “Last Updated” date above. Where required by law, we will provide additional notice or obtain renewed consent.

12. Contact Us

Questions about this Cookies Policy or our use of cookies may be directed to:

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