Learn how Ruiz & Associates collects, uses, protects, and routes down payment assistance inquiry details submitted through forms, chat, and follow-up systems.
Last updated: June 20, 2026
Ruiz & Associates (“Ruiz & Associates,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit this website and the other Ruiz & Associates websites, submit a form, interact with our team, or communicate with our AI voice agent, phone, text, email, website chat, or other lead follow-up systems.
We may collect information you provide directly, including your name, phone number, email address, preferred neighborhoods, ZIP code, budget, move-in or purchase timeline, property preferences, income range, estimated credit range, savings range, questions, and other details you choose to share.
Questions asked of the site assistant. When you type a question to the chat assistant, we may store the text of that question, the page you asked it from, and whether the assistant was able to answer it. We do this to find the questions our answers do not yet cover. Your name, phone number, email address and IP address are not stored with these questions, and the answers you give during the assistant’s step-by-step profile are not recorded this way.
When you interact with our AI voice agent or phone systems, we may collect call metadata, call recordings where permitted, transcripts, verification responses, opt-in and opt-out records, timestamps, and notes generated during the lead verification process.
We may also collect technical information such as IP address, browser type, device information, pages visited, referral source, form submission data, and cookie or analytics data.
By submitting a form, checking any consent box, or otherwise requesting follow-up, you authorize Ruiz & Associates and its service providers to contact you using the information you provide. This may include phone calls, text messages, emails, AI or automated voice calls, prerecorded/artificial voice messages where permitted, and manual outreach.
Consent is not required as a condition of buying, selling, renting, or receiving real estate services. Message and data rates may apply. You may opt out of text messages by replying STOP, or you may ask us to stop contacting you through any reasonable method.
We may share information with service providers and business systems that help us operate the website and follow up with leads, including AI voice agent providers, telephony providers, SMS providers, email providers, website hosting providers, analytics providers, our internal lead-management software and other workflow automation systems.
We may also share information with Ruiz & Associates team members, licensed real estate professionals, lenders, program administrators, vendors, or other parties when needed to respond to your request or when you ask us to coordinate a next step. We may disclose information if required by law, court order, regulation, or to protect rights, safety, or property.
We do not sell your personal information for money. If a future use would be considered a “sale” or “sharing” under an applicable privacy law, we will provide any required notice and opt-out rights.
We may use cookies, pixels, analytics tools, and similar technologies to understand website performance, measure marketing results, improve user experience, and support lead follow-up. You can adjust browser settings to block or delete cookies, although some features may not function properly.
We use reasonable administrative, technical, and organizational measures designed to protect information. No website, phone system, lead-management software, or electronic storage method is completely secure. We retain information for as long as reasonably necessary for lead follow-up, business records, legal compliance, dispute resolution, and operational needs.
We may ask for general self-reported information such as estimated income, savings, or credit score range. We do not obtain consumer credit reports through this website and the other Ruiz & Associates websites unless you separately authorize a permitted provider to do so. This website does not make lending, credit, legal, tax, or financial decisions.
This website is intended for adults seeking real estate-related information. We do not knowingly collect personal information from children under 13.
This website may link to third-party websites or use third-party tools. We are not responsible for the privacy practices, security, or content of third-party services.
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new “Last updated” date.
Questions about this Privacy Policy or your information can be discussed by calling (305) 267-4848.
