Privacy Policy

Scope and Professional Roles

RyanMolenda.com is my central professional website. Depending on why you contact me, information may be used in connection with different services or professional relationships.

• Real estate brokerage: provided through AXEN Realty, LLC.
• Residential mortgage loan origination: provided through NEXA Mortgage, LLC, NMLS #1660690. Ryan Molenda, Loan Officer NMLS #2870538.
• Commercial and business financing inquiries: may involve different programs, providers, or third-party platforms depending on the financing requested.
• Investor education: general educational conversations and resources, not individualized legal, tax, accounting, securities, or investment advice.

Separate companies, application platforms, or service providers may maintain their own privacy notices. When you leave this website or submit information through a third-party platform, that provider's privacy practices may also apply.

Information I Collect

I may collect information you provide directly, information generated through your interactions with the website or communications, and information reasonably necessary to respond to your request. Depending on the context, this may include:

• Name, email address, phone number, and preferred contact method
• Property addresses, areas of interest, property preferences, and information about a contemplated purchase or sale
• General information about financing goals, property type, business purpose, investment objectives, or requested financing
• Appointment requests and investor-education interests
• Messages, emails, text messages, call-related information, and other communications you send to me
• Basic technical information generated by websites and service providers, such as browser or device information, IP address, referring page, and website activity, where collected by hosting, security, analytics, or communications tools

Sensitive Financial Information

RyanMolenda.com is not intended to serve as a secure mortgage application or document-upload portal. Please do not send Social Security numbers, bank account credentials, tax returns, copies of identification, or similarly sensitive financial information through the website chat widget, ordinary email, or general contact communications unless you are specifically directed to an appropriate secure method.

When a residential mortgage application is available through this site, it will direct you to the applicable secure application platform. Information submitted through that platform is subject to the privacy and security practices of the applicable mortgage company and technology provider.

How I Use Your Information

I may use personal information to:

• Respond to questions and requests
• Communicate about real estate opportunities, listings, showings, offers, transactions, and related services
• Discuss residential, commercial, or business financing needs and route an inquiry to an appropriate process or provider
• Schedule consultations, appointments, or investor-education conversations
• Provide documents, disclosures, updates, reminders, and requested information
• Maintain customer and prospect records in business systems such as CRM, email, and communications platforms
• Operate, secure, troubleshoot, and improve the website and communications systems
• Comply with applicable laws, regulations, professional obligations, record-retention requirements, and company policies

I do not use your personal information for unrelated third-party marketing or sell your personal information.

Text Message Communications

By providing your phone number and opting in to text message communications, you consent to receive text messages from Ryan Molenda regarding your inquiries, appointments, real estate matters, financing matters, and transaction-related communications.

• Message frequency may vary based on your activity, inquiries, or transaction needs
• Message and data rates may apply depending on your mobile carrier and plan
• You may opt out at any time by replying STOP to any text message
• For help, reply HELP or contact me at ryan@ryanmolenda.com
• Consent to receive text messages is not a condition of purchasing goods or services
• Opting out of text messages does not prevent you from contacting me through other available communication methods

I do not share your phone number or text message opt-in data with third parties for their own marketing purposes.

Information Sharing

I do not sell, trade, or rent your personal information to third parties. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Other personal information may be disclosed when reasonably necessary for the purpose for which you provided it, including:

• To AXEN Realty, LLC and parties involved in a real estate matter, such as title companies, cooperating brokers or agents, inspectors, attorneys, and other transaction participants, when appropriate
• To NEXA Mortgage, LLC, approved mortgage technology platforms, or other parties involved in a residential mortgage process when you choose to pursue residential financing
• To financing providers, platforms, or referral partners when you ask to explore commercial or business financing and disclosure is appropriate to your request
• To service providers that support website hosting, CRM, email, SMS, appointment scheduling, security, file handling, analytics, or other business operations
• When required or permitted by law, regulation, legal process, professional obligation, or applicable company policy
• To protect legal rights, security, users, systems, or property where reasonably necessary

Service providers may process information on my behalf to perform the services for which they are engaged.

Email and Other Communications

If you contact me by email or another communication channel, I may use the information you provide to respond, follow up, maintain records, and communicate about the subject of your inquiry. You may ask me to stop non-transactional email communications at any time by contacting me.

Communications necessary to complete an active transaction, respond to a request, meet a legal or professional obligation, or service an existing relationship may still be sent where permitted.

Third-Party Websites, Applications, and Scheduling

This website links to third-party sites and platforms, including real estate search or brokerage pages, financing application systems, appointment scheduling tools, regulatory websites, and educational resources. I do not control those third-party sites and this Privacy Policy does not replace their privacy policies.

Before submitting sensitive information through a third-party site, review the privacy notice and security information provided on that site.

Cookies, Analytics, and Technical Information

The website and embedded service providers may use cookies, local storage, log files, or similar technologies that are necessary for site functionality, security, communications, or basic measurement. These tools may collect technical information such as IP address, device and browser information, referring URLs, and interactions with website features.

I do not intentionally use RyanMolenda.com to sell personal information or to build third-party advertising profiles. If the site's analytics or advertising practices materially change, this Policy should be updated accordingly.

Data Security

I use reasonable administrative, technical, and organizational measures appropriate to the nature of the information and the systems I control. I also rely on established third-party providers for website hosting, CRM, communications, scheduling, and financial-services technology.

No method of electronic transmission or storage can be guaranteed to be completely secure. You should use secure application or document-delivery systems when providing sensitive financial or identity information.

Data Retention

I retain personal information for as long as reasonably necessary for the purpose for which it was collected, to maintain appropriate business and transaction records, and to satisfy applicable legal, regulatory, contractual, brokerage, lender, or professional requirements.

Retention periods may differ depending on whether the information relates to a general inquiry, real estate transaction, residential mortgage matter, commercial or business financing inquiry, or another professional relationship.

Your Privacy Choices and Rights

You may contact me to request access to, correction of, or deletion of personal information I maintain about you. Some requests may be limited by legal, regulatory, transaction, record-retention, fraud-prevention, security, or other legitimate requirements.

Depending on where you live and which privacy laws apply, you may have additional rights concerning your personal data. I will evaluate applicable requests in accordance with the law that applies to the information and relationship.

• To stop text messages, reply STOP
• For text-message assistance, reply HELP
• For privacy requests or communication preferences, email ryan@ryanmolenda.com

Children's Privacy

This website and the professional services described here are directed to adults and are not intended for children. I do not knowingly use RyanMolenda.com to collect personal information from children for marketing purposes. If you believe a child has provided personal information through the site, please contact me.

Changes to This Policy

I may update this Privacy Policy as the website, services, providers, or legal requirements change. The "Last Updated" date at the top of this page will identify the most recent revision. Material changes should be reflected here before or when the changed practice takes effect.

Contact

For questions about this Privacy Policy or a privacy request, contact:

• Ryan Molenda
• Email: ryan@ryanmolenda.com
• Phone: 512-787-8506

Real estate brokerage services are provided through AXEN Realty, LLC. Residential mortgage loan origination services are provided through NEXA Mortgage, LLC, NMLS #1660690. Ryan Molenda, Loan Officer NMLS #2870538.