Privacy Policy

Scope

This Privacy Policy describes how Stone River Mortgage LLC handles information through the public stonerivermortgage.com website and its public tools. It is a notice, not a request for you to agree to the handling described here. Stone River Apply has a separate Online Privacy Policy and Financial Privacy Notice presented at account creation. A third-party site reached through a link has its own privacy practices.

Information the public site handles

Depending on the tool you use, the public site may handle:

• property addresses, purchase price, down payment, loan amount, property-tax information, and other transaction-summary inputs;
• borrower names, a property address, and sale-contingency status used to create a requested pre-approval-letter PDF;
• Google place identifiers, address-suggestion text, and address verification results; and
• technical and security information such as IP address or forwarded network address, request and correlation identifiers, timestamps, device/browser request data, route activity, and error diagnostics.

How Stone River uses information

Stone River uses public-site information to provide requested pages and documents, verify Minnesota addresses, obtain available property-related data, calculate preliminary figures, operate and secure the site, limit abuse, diagnose errors, maintain records, and comply with applicable law.

The transaction-summary service records generated-document counts and the normalized property address and county used for operational analytics. Document-generation records may include a hash of the generated PDF, hashed borrower-name or property references, limited technical identifiers, and non-sensitive generation metadata. These records are not a mortgage application or a Stone River Apply loan file.

Service providers and disclosures

The public site uses Google Maps Platform for address suggestions, address verification, business rating information, and customer reviews. Address-related requests send the Google place or address information needed for that service to Google. Google content is subject to the Google Privacy Policy. Stone River stores the place identifier for its own Google listing but does not permanently store the Google review text displayed on the homepage.

Stone River may also disclose the information needed to hosting, database, security, document-generation, and other service providers; government or public property-data sources; and legal, regulatory, fraud-prevention, or security recipients when permitted or required. Service providers receive information to perform services for Stone River, not for Stone River's third-party marketing.

Stone River has no affiliates. Stone River does not sell personal information, use it for targeted advertising, or share it for Stone River's own third-party marketing, joint marketing, affiliate marketing, or nonaffiliate marketing.

Retention and security

Stone River retains public-site information only for the applicable service, business-record, security, audit, fraud-prevention, legal, and compliance purposes and retention periods. Different records may have different periods. Stone River uses administrative, technical, and physical safeguards designed for the information involved, but no online system can guarantee absolute security.

Questions and requests

Contact Stone River to ask a privacy question or make a request. Rights and required responses depend on the information, the relationship, and applicable law; this Policy does not create a right to immediate deletion of records Stone River must or may lawfully retain.

Changes to this Policy

Stone River may update this Policy from time to time. The current version is continuously available on this page and displays its effective date. Unless applicable law requires separate notice, delivery, acknowledgment, or renewed consent, posting the revised version with a new effective date is the only notice Stone River provides. Please review the current version periodically.

When applicable law requires a revised privacy notice, separate delivery, or another action before a new disclosure practice begins, Stone River will provide it. Stone River may use an in-product notice or website acknowledgment when that method is legally sufficient.

Contact

Contact Stone River Mortgage LLC at mike@stonerivermortgage.com or (612) 850-2018.