Terms of use | Ask Raffucci

Terms and Conditions

Last Updated: August 18, 2025

1. Eligibility Criteria for Free Remote Professional Appraisal Report

To qualify for a free remote professional appraisal report for your property when submitting the Meta ad lead form or by visiting the ASKRAFFUCCI.com website, you must meet all of the following conditions:

Intention to Sell: You must have indicated an intention to sell your property within the next one (1) to three (3) months by answering “Yes” to the relevant question on the lead form.
Ownership: You must be the legal owner of a single-family house.
Provision of Address: You must provide the full address of the property on the lead form.
Geographic Location: The property must be located within one of the following ZIP codes:
- 90049 (Brentwood)
- 90272 (Pacific Palisades)
- 90212 (Beverly Hills)
- 90211 (Beverly Hills)
- 90034 (Beverly Woods)
- 90064 (West LA)
- 90024 (Century City)
- 90025 (Century City West)
- 90077 (Bel-Air)
- 90210 (Beverly Hills)
- 90212 (Beverly Hills below Wilshire)
- 90211 (Beverly Hills East below Burton Way)
- 90069 (West Hollywood)
- 90046 (West Hollywood, Mount Olympus)
- 90034, 90035, 90016, 90066, 90230, 90056, 90019, 90036, 90004, 90020, 90038, 90028, 90046, 90069, 90077, 90095, 90403, 90025, 90073, 90210, 91301, 91505, 91506, 91602, 91406, 91335, 91306, 91304, 91303, 91307, 91371, 91364, 90292, 90094, 90045, 90266, 90254, 91608, 91316, 91436, 91403, 91423, 91401, 91411, 91405, 90291, 90401, 90404, 90405, 90402.

Ask Raffucci reserves the right to cancel this promotional offer at any time without prior notice.

2. Lead Ownership & Referral Program

2.1 Lead Ownership

All leads and information collected through Ask Raffucci’s marketing efforts remain the property of Ask Raffucci.
We reserve the right to sell, share, or refer those leads to real estate agents, brokers, lenders, contractors, or other relevant service providers in exchange for a referral fee or commission.

2.2 Referral & Commission Structure

Leads may be referred to licensed real estate professionals or other relevant businesses that can offer services to the User.
Ask Raffucci may receive a referral fee, commission, or other compensation for sharing a lead’s information with such third-party service providers.
The specific commission or referral fee structure will be determined on a case-by-case basis, pursuant to agreements between Ask Raffucci and the respective third-party service providers.

2.3 No Guarantee of Service

Submitting your information or being referred through our Services does not guarantee that any third-party service provider will contact you, accept you as a client, or provide services to you. Ask Raffucci makes no guarantee or warranty of any kind as to the outcome or quality of services that any third-party provider may offer. All dealings arising from a referral (including any agreements or services provided) are solely between you and the third-party provider, and you acknowledge that Ask Raffucci has no responsibility or liability for the acts or omissions of any such provider.

3. Third-Party Services and Your Authorization

If you request to be connected with, or to receive information from, third-party service providers (such as real estate brokers, mortgage lenders, financial institutions, or other professionals) through our Services, you authorize Ask Raffucci to share the personal information and contact details you submit with those third-party providers for the purpose of fulfilling your request. For example, if you request a mortgage quote or indicate interest in speaking with a lender or realtor, we may transmit your inquiry and the information you provide (such as your name, phone number, email address, property and financial details, etc.) to the appropriate third-party provider. By submitting your information, you consent to being contacted by such third parties (or their agents or affiliates) for the purposes of responding to your inquiry or providing the requested services.

Please note that submitting an inquiry or request through Ask Raffucci does not constitute a formal application for a loan, mortgage, real estate transaction, or any other financial product or service. Any qualifications, approvals, or offers for such products will be made solely by the third-party provider according to their own criteria and procedures. Ask Raffucci is not involved in any credit decision, underwriting process, real estate brokerage transaction, or other professional determination made by the third-party. Preliminary quotes, estimates, or information you may receive via our Services are for informational purposes only; they are not binding offers, commitments, or guarantees of any final terms or outcomes. Actual terms, rates, fees, and conditions of any product or service will be established by the third-party provider and may vary from preliminary information. You should carefully review all offers or proposals from third parties and make your own independent decision as to which (if any) to pursue, consulting with your own professional advisors as needed.

Once your information has been shared with a third-party provider at your direction, that provider’s use of your information is governed by its own privacy policy and terms of service. Ask Raffucci does not control how a third-party may use your data or contact you. By using our Services to connect with third parties, you agree that Third-Party Entities may contact you directly (for example, by phone call, text message, email, or other means) to discuss your request or offer their services. You understand that these third-party communications may be made using automated dialing technology or pre-recorded messages, and may occur even if your telephone number is listed on a federal or state Do Not Call registry. If you do not wish to have your information shared in this manner or to receive such communications, do not submit requests for third-party services through Ask Raffucci. Once you have submitted a request and your information is shared, Ask Raffucci has no ability to recall that information, and you will need to communicate directly with the third-party provider to manage or opt-out of further communications. You are under no obligation to accept any service or offer from a third-party provider, and you may decline any consultation or service proposal at your sole discretion.

4. Company Role and No Professional Advice

Ask Raffucci (J. Bond, LLC) provides marketing, referral, and information services. We are not a licensed real estate brokerage, not a law firm, not a tax advisory service, and not a financial or accounting firm. No fiduciary, attorney-client, or agency relationship is created by your use of the Services. The Services and all information provided are for general informational purposes only. We do not provide legal, tax, financial, or investment advice, and you should consult qualified professionals for advice specific to your situation.

In particular, by using our Services you acknowledge and agree to the following:

No Real Estate Brokerage: Ask Raffucci is not acting as a real estate broker or agent. We do not represent buyers or sellers in any real estate transaction, and we do not perform any services that would require a real estate broker’s or agent’s license. Any real estate transaction you enter into is solely between you and the licensed real estate professional(s) involved.
No Lender or Banking Services: Ask Raffucci is not a mortgage lender, bank, loan originator, loan processor, underwriter, or creditor. We do not take mortgage or loan applications, make loans or credit decisions, or negotiate loan terms on your behalf. We do not assist you in obtaining loans beyond connecting you with third-party providers at your request.
No Professional Advice: Ask Raffucci does not provide legal advice, tax advice, financial planning, or investment advice. Any content, tools, or information available through our Services are for informational purposes only and should not be construed as professional advice on which you should rely. Before making any legal, tax, financial, or real estate decisions, you should consult with a licensed attorney, tax advisor, accountant, real estate broker/agent, or other appropriate professional who is familiar with your specific circumstances.
No Endorsement of Third Parties: Ask Raffucci does not endorse, recommend, or guarantee any third-party providers, products, or services that may be mentioned, featured, or referred to through our Services. Any third-party logos, trademarks, or names appearing on our Site are the property of their respective owners and their appearance does not imply an endorsement or affiliation with us. It is your responsibility to evaluate any third-party provider or service and decide whether it is appropriate for you.
No Responsibility for Third-Party Actions: We are not responsible or liable for the acts, errors, omissions, representations, warranties, breaches, or negligence of any third-party service providers or for any personal injuries, property damage, or other damages or expenses resulting from your interactions with third parties. If you encounter any issues with a third-party service (including, for example, a real estate transaction or a loan product), you must resolve those with the provider; Ask Raffucci has no ability to do so on your behalf.
No Guarantee of Outcomes: Ask Raffucci cannot and does not guarantee any particular outcome or result from your use of the Services or from any referral or introduction to a third-party provider. For example, we do not guarantee that you will successfully obtain a loan, sell or purchase a property, or achieve any financial outcome, nor that any third-party offer represents the best possible terms available. All information on our Site is provided “as is” for reference only, and it is your responsibility to verify any information and decide how to proceed.

5. Equal Housing Opportunity

Ask Raffucci is committed to the principles of fair housing. Equal housing opportunity means that all persons have the right to choose housing free from unlawful discrimination. We fully support and comply with all federal, state, and local fair housing laws, including the federal Fair Housing Act, which makes it illegal to discriminate in the sale, lease, or rental of housing, or in the provision of brokerage services or financing, on the basis of race, color, religion, sex, national origin, familial status, or disability.

Equal Housing Opportunity: Defined

The Fair Housing Act (Title VIII of the Civil Rights Act of 1968, as amended in 1988) is the federal law that prohibits discrimination in housing and housing-related transactions based on certain protected classes. Housing-related activities covered by this law include, for example, renting or buying a home, obtaining a mortgage, seeking housing assistance, or engaging in any other residential real estate transactions. In 1988, the Fair Housing Act was expanded to add protections against discrimination based on disability and familial status (the presence of children under 18 in a household, pregnancy, or securing custody of children). The U.S. Department of Housing and Urban Development (HUD), through its Office of Fair Housing and Equal Opportunity (FHEO), is charged with enforcing the Fair Housing Act.

Rental Discrimination: An Overview

Housing discrimination can be intentional or unintentional.

Intentional discrimination (known as “disparate treatment”) occurs when someone is treated differently in a housing transaction because of their membership in a protected class. An obvious example would be a landlord posting a sign that says “No [members of a protected class] allowed.” Such overt discrimination is illegal. Even more subtle actions, like steering individuals of a certain race toward or away from particular properties or enforcing different lease terms based on protected characteristics, are also forms of intentional discrimination.
Unintentional discrimination (known as “disparate impact”) occurs when a neutral policy or practice has a disproportionately adverse effect on members of a protected class, even if there is no intent to discriminate. The U.S. Supreme Court has affirmed that disparate impact claims are cognizable under the Fair Housing Act – meaning that landlords and property managers can be held liable for policies that, while neutral on their face, adversely affect protected groups without a legally sufficient justification. For instance, a seemingly neutral policy like a blanket “no arrests” rule in tenant screening could disproportionately exclude people of certain racial groups and thus be considered discriminatory unless it is necessary to achieve a substantial, legitimate non-discriminatory interest and no less discriminatory alternative is available.

Landlords, property managers, real estate professionals, and anyone involved in housing transactions should be mindful of both forms of discrimination. Policies or practices that unintentionally harm a protected class (disparate impact) can be just as unlawful as overt, intentional discrimination. It is important to regularly review and modify policies to ensure compliance with fair housing requirements.

Protected Classes: Who Is Protected

Under federal law, the following classes are protected from housing discrimination:

Race
Color
Religion
Sex (including sexual orientation and gender identity)
National Origin
Familial Status (households with children under 18, pregnant women, or anyone securing custody of a child)
Disability (physical or mental impairment that substantially limits one or more major life activities)

Many states and local jurisdictions have additional protected classes beyond the federal categories. Depending on your state or city, these could include characteristics such as:

Age (e.g., persons over a certain age are protected in some areas)
Marital Status
Military/Veteran Status
Citizenship or Immigration Status
Lawful Source of Income (for example, prohibiting discrimination against those using Section 8 housing vouchers or other public assistance)
Sexual Orientation (if not already covered under “sex” by state law)
Gender Identity or Expression (if not already covered under federal law)
Genetic Information
Ancestry
Domestic Violence Victim Status (protected in some localities)
Criminal History – Note: While criminal history itself is not a protected class, HUD guidance warns that blanket bans on renting to anyone with a criminal record may violate the Fair Housing Act due to disparate impact on certain racial groups. Landlords should take care to craft criminal background policies that are narrowly tailored and consider the nature and timing of offenses.

Landlords and housing providers should familiarize themselves with all applicable federal, state, and local fair housing laws to ensure they do not discriminate, even inadvertently. This includes being aware of any additional protected classes in your local jurisdiction.

Additional Considerations: Fair Housing Guidelines

Limited English Proficiency (LEP): While English proficiency is not a federally protected class, treating someone adversely because they are not fluent in English could be viewed as national origin discrimination (since primary language is closely related to national origin). Landlords should be cautious about policies that could penalize or exclude applicants with limited English proficiency.
Occupancy Standards: Be careful when setting occupancy limits (i.e., how many people can reside in a unit). Overly strict occupancy standards can sometimes have an unlawful disparate impact on families with children. HUD’s guidance (the Keating Memorandum, 63 Fed. Reg. 70256 (1998)) suggests that an occupancy policy of two persons per bedroom is generally reasonable under the Fair Housing Act, but this is not a hard rule. Factors such as the size and layout of the dwelling, age of any children, configuration of rooms, and other considerations can make higher occupancy reasonable. Some jurisdictions use building or fire codes (such as the BOCA National Property Maintenance Code) to set occupancy limits based on square footage of living and sleeping areas. For example:
- Under the Keating Memorandum guideline: Two people per bedroom is considered presumptively reasonable, subject to exceptions for very small or large bedrooms and other unit-specific factors. Housing providers should also consider any state/local laws that establish different standards and ensure that any occupancy policy does not explicitly or effectively exclude families with children.
- Under the BOCA Code (Building Officials and Code Administrators guidelines): a dwelling must have at least 150 square feet of living area for the first occupant and at least 100 additional square feet for each additional occupant. Additionally, each bedroom should contain at least 70 square feet for one person, or 50 square feet per person if occupied by more than one person.
Whichever standard is used, the key is consistency and a legitimate business necessity for the chosen policy. Avoid any occupancy policy that is a pretext for excluding families. It is advisable to use the word “occupants” (not “adults” or “children”) in any written criteria and never to impose rules that specifically target or burden families with children.
Permissible Exemptions: The Fair Housing Act provides a few narrow exemptions where the law may not apply, such as housing owned or operated by religious organizations or private clubs that limit occupancy to members, and certain owner-occupied buildings of four units or less (the “Mrs. Murphy” exemption). Additionally, single-family homes sold or rented by the owner without the use of a broker are exempt from the federal Fair Housing Act in some cases (provided the owner owns no more than three such homes at one time and no discriminatory advertising is used). Important: These exemptions are limited and do not allow discriminatory advertisements, and many state or local fair housing laws do not include these exemptions. In practice, anyone involved in housing should strive to comply with fair housing principles in all cases.

Bottom line: It is imperative for you and your team to understand and comply with all applicable fair housing laws and regulations. We strongly encourage all housing providers and professionals to periodically review their policies, attend fair housing training, and consult legal counsel familiar with housing laws to ensure full compliance. Ask Raffucci expects all partners, advertisers, and referenced professionals to uphold fair housing standards. Equal housing opportunity is not just the law – it is a fundamental principle that we are proud to support.

6. Disclaimer of Warranties

THE ASK RAFFUCCI SERVICES (INCLUDING OUR WEBSITE, APPLICATIONS, AND ALL INFORMATION, CONTENT, MATERIALS, AND SERVICES PROVIDED THEREIN) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTY OR GUARANTEE OF ANY KIND, EITHER EXPRESS OR IMPLIED.

Use of our Services is at your own risk. To the fullest extent permitted under applicable law, Ask Raffucci and its affiliates, licensors, and suppliers disclaim all warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not make any guarantee as to the timeliness, accuracy, or reliability of any information or content obtained through the Services.

Any information or material downloaded or otherwise obtained through the use of our Services is done at your own discretion and risk. No advice or information, whether oral or written, obtained by you from Ask Raffucci or through the Services shall create any warranty not expressly stated in these Terms.

Without limiting the foregoing: Ask Raffucci makes no representation or warranty that the Services will meet your requirements or expectations, or that any results, recommendations, or content obtained through the Services will be accurate, reliable, or applicable to your circumstances. We make no warranties or representations regarding the quality or legality of any third-party services, information, or products that you may obtain through a referral or link via our Services.

Some jurisdictions do not allow the exclusion of certain warranties, so to that extent, some of the above exclusions may not apply to you. In such cases, any implied warranties are limited to the minimum scope and duration permitted by law.

7. Limitation of Liability

To the fullest extent permitted by law, Ask Raffucci (J. Bond, LLC) and its officers, directors, employees, shareholders, affiliates, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages whatsoever. This includes, without limitation, damages for loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses arising out of or in connection with your access to or use of (or inability to access or use) the Services, any conduct or content of any third party on or via the Services, or any content obtained through the Services. These limitations apply whether the claim is based in contract, tort (including negligence), strict liability, or any other legal theory, and even if we have been advised of the possibility of such damages.

If, notwithstanding the above, liability is imposed on Ask Raffucci for any reason, in no event will the total aggregate liability of Ask Raffucci and its affiliates for any claims arising out of or relating to these Terms or the Services exceed the greater of: (a) the total amount (if any) you have paid to Ask Raffucci for the Services in the twelve (12) months prior to the event giving rise to the liability; or (b) US $100.00.

The foregoing limitations of liability shall apply to the maximum extent permitted by applicable law, regardless of the failure of any limited remedy. Some states or jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability will be limited to the minimum extent required by law.

8. Indemnification

You agree to indemnify, defend, and hold harmless Ask Raffucci (J. Bond, LLC), its affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, demands, causes of action, losses, liabilities, damages, judgments, or expenses (including reasonable attorneys’ fees and court costs) arising out of or related to: (a) your use of the Services; (b) any information or content you submit, post, or transmit through the Services; (c) your violation of these Terms or any applicable law or regulation; or (d) your infringement or misappropriation of any intellectual property or other rights of any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations), in which event you agree to cooperate fully with us in asserting any available defenses.

9. Dispute Resolution – Arbitration Agreement and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR LEGAL RIGHTS. IT REQUIRES YOU TO ARBITRATE MOST DISPUTES WITH ASK RAFFUCCI AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF. By using the Services or agreeing to these Terms, you and Ask Raffucci both agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (collectively, “Disputes”) will be resolved by binding arbitration on an individual basis, not in court. You are waiving the right to a trial by jury and to participate in a class action or class arbitration.

Initial Dispute Resolution: Most concerns or questions can be resolved by contacting us informally at [email protected]. You agree to first attempt to negotiate any Dispute informally with us for at least 30 days before initiating arbitration. If we are not able to resolve the Dispute informally, then the provisions below will apply.

Binding Arbitration: If a Dispute arises and cannot be resolved informally, it shall be resolved exclusively by final and binding arbitration. The arbitration will be governed by the Federal Arbitration Act (FAA) and conducted by a neutral arbitrator through the American Arbitration Association (AAA) (or a similar reputable arbitration provider agreed to by both parties). Arbitration Procedures: The arbitration shall be administered under the AAA’s Consumer Arbitration Rules in effect at the time the arbitration is initiated (available on AAA’s website), unless otherwise agreed in writing by the parties. The arbitration may be conducted telephonically, via video conference, or in person in the county where you reside or another mutually agreed location. The arbitrator shall apply the same statute of limitations as would a court and shall have authority to award any relief that an individual could seek in court under law (including injunctive or declaratory relief applicable to the claimant alone). The arbitrator’s award shall be in writing and, if required by law, include a statement of reasons. Judgment on the arbitration award may be entered in any court having jurisdiction.

Class Action Waiver: You and Ask Raffucci agree that all Disputes will be arbitrated or litigated only on an individual basis. You and Ask Raffucci waive any right to have any Dispute heard as a class action, representative action, collective action, or in any other proceeding in which either party acts or proposes to act in a representative capacity. The arbitrator shall have no authority to consolidate or join the claims of different individuals into one proceeding, nor to hear any arbitration as a class or representative action. If this class action waiver is found to be unenforceable in a particular case, then the entirety of this arbitration agreement shall be null and void with respect to that case.

Exceptions: Notwithstanding the foregoing arbitration agreement, you or Ask Raffucci may choose to pursue a Dispute in small claims court (if it qualifies and so long as the matter remains in that court and advances only on an individual – not a class – basis). Also, either party has the right to seek a temporary injunction or other provisional relief from a court of competent jurisdiction in order to prevent immediate and irreparable harm (for example, in the event of an alleged data breach, intellectual property infringement, or unauthorized use of the Services) without first engaging in arbitration.

Opt-Out: You have the right to opt out of this arbitration agreement by sending a written notice of your decision to opt out to us at [email protected] (or via mail to our registered agent address) within 30 days of first accepting these Terms. Your notice must include your name, address, the email or phone number associated with your account or use of the Services, and an unequivocal statement that you wish to opt out of this arbitration agreement. If you opt out of arbitration, the other provisions of these Terms (including the class action waiver) will continue to apply to any Disputes between you and Ask Raffucci.

Costs: Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules. We will reimburse your arbitration filing fee if your claim is for $10,000 or less, unless the arbitrator finds your Dispute frivolous or brought for an improper purpose. Each party will bear its own attorneys’ fees and costs unless specifically awarded by the arbitrator under applicable law.

This Section 9 shall survive termination of your account or the Services and any termination of these Terms.

10. Governing Law

These Terms and any Dispute between you and Ask Raffucci shall be governed by the laws of the State of Florida, except to the extent preempted by U.S. federal law (including the Federal Arbitration Act). This governing law applies no matter where you live or use the Services. Subject to the Arbitration Agreement above, you agree that any legal action (to the extent allowed) will be filed and adjudicated in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts. You waive any objection based on inconvenient forum or lack of jurisdiction.

If you are a consumer residing in a state that requires the application of that state’s consumer protection laws despite this choice of Florida law, nothing in this section prevents those laws from applying where required by law.

11. Changes to These Terms

Ask Raffucci may modify or update these Terms of Use from time to time. If we make material changes, we will provide notice by updating the “Last Updated” date at the top of this document and/or by other appropriate means. It is your responsibility to review these Terms periodically. Your continued use of the Services after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified terms, you must stop using the Services. No change or update to these Terms will apply to any dispute that we had actual notice of prior to the date of the change.

12. Miscellaneous Provisions

Entire Agreement: These Terms of Use (together with any Additional Terms for specific services and our Privacy Policy, both of which are hereby incorporated by reference) constitute the entire agreement between you and Ask Raffucci relating to your use of the Services. It supersedes all prior or contemporaneous oral or written negotiations, agreements or communications between you and us with respect to the subject matter hereof.
Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason by a court or arbitrator of competent jurisdiction, that provision shall be eliminated or limited to the minimum extent such that the remainder of the Terms will continue in full force and effect.
No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Ask Raffucci.
Assignment: You may not assign or transfer these Terms (or any of your rights or obligations hereunder) without our prior written consent. Any attempted assignment by you in violation of this provision is null and void. Ask Raffucci may freely assign or transfer these Terms (in whole or in part) as part of a merger, acquisition, asset sale, or other corporate reorganization, or by operation of law or otherwise, without notice to you. These Terms shall be binding on and inure to the benefit of the parties and their respective permitted successors and assigns.
No Third-Party Beneficiaries: These Terms do not and are not intended to confer any rights or remedies upon any person other than you and Ask Raffucci.
Headings: The section titles and headings in these Terms are for convenience only and have no legal or contractual effect.
Survival: Provisions of these Terms that by their nature should survive termination (including, by way of example and not limitation, disclaimers of warranty, limitations of liability, indemnification, and dispute resolution/arbitration provisions) shall remain in effect after any termination or expiration of these Terms or of your use of the Services.
Contact Information (Terms of Use): If you have any questions about these Terms or the Services, please contact us by email at [email protected] or by mail at Ask Raffucci – J. Bond, LLC (Attn: Legal), at our registered business address in Florida.

13. Meta Ad and Lead Form Disclaimer

Consent to Contact: By submitting this form, you consent to be contacted by J. Bond LLC, a Florida limited liability company, d/b/a Ask Raffucci (“Ask Raffucci”) via phone, email, or text (including auto-dialers and prerecorded messages). Message and data rates may apply.
Independent Referral Service: Ask Raffucci is not a licensed real estate broker, agent, or realtor. We are an independent consulting and referral service. We may refer your inquiry to licensed brokers or other third-party providers and may receive referral compensation, in compliance with California, Florida, and federal law (including RESPA).
Informational Market Insights: Market insights are provided for informational purposes only. For example:
- In June 2025, over 46% of homes in Los Angeles sold below asking price, reflecting a shift toward a buyer’s market (Highland Premiere, July 2025 Market Update)highlandpremiere.com.
- Analysts note Los Angeles has entered a buyer’s market where buyers hold more leverage than sellers (HousingWire, June 2025).
No Guaranteed Outcomes: Ask Raffucci does not guarantee any transaction results, pricing outcomes, or savings.
Arbitration & Agreement: All disputes are subject to binding arbitration in Los Angeles County, California, and you waive any right to a jury trial or class action. By proceeding, you agree to our [Terms & Conditions] and [Privacy Policy].

Ask Raffucci Privacy Policy

Effective Date: August 18, 2025

Introduction and Purpose

At Ask Raffucci, we are dedicated to guiding you through your real estate and financial decisions by offering reliable, transparent insights and tools tailored to your needs. Your trust is paramount to us. We prioritize the confidentiality and security of the personal information you share on our platform. This Privacy Policy explains what information we collect from you, how we use and share it, and how we protect it when you interact with Ask Raffucci, J. Bond, LLC (doing business as “Ask Raffucci”), its affiliated companies, service providers, partners, and other related entities.

By using our Services or otherwise providing personal information to us, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our practices, please do not use our Services or provide us with your information.

Scope of this Privacy Policy

This Privacy Policy applies to all interactions you have with products and solutions offered by Ask Raffucci, LLC and any of its subsidiaries or affiliates (collectively, “Ask Raffucci,” “Company,” “we,” “us,” or “our”), including interactions on our websites (such as www.askraffucci.com) and through any Ask Raffucci mobile applications (collectively, the “Platform” or “Services”).

This Policy describes how we handle personal information regardless of the device or medium through which you access the Services. It covers information collected when you visit our site, use our apps, fill out forms, request services, or otherwise engage with Ask Raffucci. By using the Services, you signify your acceptance of the practices described in this Privacy Policy.

We are committed to compliance with applicable privacy laws. In particular, certain of our data practices are influenced by the federal Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, which regulate how financial institutions handle nonpublic personal information. (See our separate Gramm-Leach-Bliley Privacy Notice for specific details and choices related to information covered by GLBA.) For California residents, please also refer to our California Privacy Notice below, which addresses rights under the California Consumer Privacy Act (CCPA) and related state law. Any terms not defined in this Privacy Policy have the meanings given to them in our Terms of Use.

I. Data Collection Practices

We collect personal information from and about you in a variety of ways when you use our Services. This may include information you provide directly, information collected automatically (for example, via cookies), and information obtained from third parties.

A. Information You Provide Directly

When you engage with our Services—such as creating an account, filling out forms, requesting services, or contacting us—we may ask you to provide certain personal information. This information may include, but is not limited to:

Full name
Email address
Telephone number
Residential or mailing address
Date of birth
Social Security number or taxpayer identification number (for example, if needed for financial service requests or identity verification)
Account credentials (such as username and password when you register an account with Ask Raffucci)
Financial details you choose to share (e.g., income, assets, debts, credit score, or other information if you are seeking loan offers or other financial services through our Platform)
Employment and occupation information (if relevant to a service you request, such as applying for a mortgage or other financial product)
Demographic information (such as your marital status, household income, or education level, when relevant to certain tools or calculators on our Platform)
Property details (if you are seeking a real estate service, you might provide information about a property you own or are interested in, such as address, type of property, value, etc.)
Communication content: Copies of communications with us, including emails, chat messages, phone call recordings (we will notify you where calls may be recorded and obtain consent if required by law), or other correspondence you have with Ask Raffucci. This also includes any information you choose to provide when you send us a message, submit feedback, or post content in any community forums that we may offer.

Note: We do not collect any credentials for your external financial accounts (such as bank login passwords) for our own use. In some cases, we may facilitate the entry of your financial account credentials through a secure third-party service (for example, if you choose to link an account via a service like Plaid, as described below), but we do not ourselves store those login details.

B. Information Collected Automatically

Whenever you interact with our Platform (whether on our website or app), we (and our third-party analytics partners) may automatically collect certain technical and usage information. This data helps us understand how our Services are being used and allows us to improve your experience. Such information may include:

Device and browser identifiers: Your device’s IP address, unique device ID, advertising ID, browser type, operating system, and device model.
Usage data: Details about how you navigate and use our Services, such as the pages or screens you view, the features you click or interact with, the time and date of each visit, the amount of time spent on each page or in the app, search terms entered, and referring and exit web pages.
Location data: If you use our mobile app or a location-enabled feature, we may collect geolocation information (precise or approximate) from your device, but only if your device settings allow it. (For example, you may allow an app to use your precise GPS location to suggest nearby service providers. You can disable location access at any time in your device or browser settings.)
Technical information: Data about your network connection (e.g., your IP address and general location inferred from it), device settings and software configurations, the web page you visited or mobile app you used immediately before coming to our site, and certain telemetry information about your device (such as motion sensor data or app crash reports).
Cookies & similar technologies: We (and service providers acting on our behalf) use cookies, web beacons, pixels, session replay/screen capture, and similar tracking technologies to collect information about your interactions and usage. These technologies help us remember your preferences, understand which parts of our Services are popular, and measure the effectiveness of our marketing campaigns. (For more details, see Section II(F) below and our Cookie Policy, if applicable.)

Analytics and Advertising: We may use third-party analytics tools (like Google Analytics) to collect information about usage of our Services. These providers may use cookies and device IDs to gather usage data and report it to us. We may also partner with advertising networks or other third parties to display advertising on our Platform or to manage our advertising on other sites. These partners may use cookies and similar tracking to collect info about your online activity over time and across different websites and services, to show you ads tailored to your interests.

C. Information from External Sources

In some cases, we obtain information from third parties or combine information from outside sources with the data we collect through our Services. For example:

We may receive information about you from business partners or referral sources that direct you to or are integrated with our Services. For instance, if you were referred to Ask Raffucci by a partner website or service, or if you clicked on one of our advertisements on a third-party platform, that platform might send us certain information (such as campaign metrics or identifiers) to help us understand and optimize our marketing efforts.
If you request certain services through our Platform (such as your credit score/report or other financial offers), we will – with your authorization – collect credit information from credit bureaus (like TransUnion, Experian, or Equifax) or financial data aggregators. This might include your credit report, credit score, and related information, which we use to provide you with services (for example, showing you loan options) and which becomes part of your data we handle in accordance with this Policy.
We may gather information from publicly available sources or through paid services for fraud prevention and identity verification. For example, we might use identity verification services that compare the information you provide against public records or validate phone numbers and addresses.
“Account Integration” Feature: If you choose to use features that let you connect outside financial accounts to our Platform (for example, linking your bank account, mortgage account, or credit cards to see a consolidated view), you will be asked to provide login credentials for those external accounts through our third-party integration partner (such as Plaid, Inc.). By doing so, you authorize us and our partner (Plaid) to access and retrieve information from your designated external accounts. We may use this imported data to populate financial tools, analyze your eligibility for certain offers, or provide tailored recommendations. Important: Use of the account aggregation feature is voluntary and subject to Plaid’s own privacy policy. By using it, you agree that Plaid may access and transmit account data (such as account balances, transactions, and related information) to us for use in accordance with this Privacy Policy.
Tax Preparation Collaboration: If you utilize any integrated tax services through our Platform (for example, a feature powered by Column Tax to help estimate your taxes or assist with filing), you will be authorizing the tax service provider to share certain tax-related information with us. This could include your filing status, state of residence, and basic tax refund or payment details. This information will be used to provide the service you requested (such as calculating adjustments or offering tax-related advice). By engaging the tax service feature, you consent to Column Tax (and its affiliates and subcontractors) collecting and sharing your tax information with Ask Raffucci for the purposes described. Any tax filing or specific tax advice will be subject to Column Tax’s privacy policy and terms of service, which you should review when using that feature.

We treat any combined or received information from third parties with the same care as data collected directly from you, in accordance with this Privacy Policy, plus any additional restrictions imposed by the source of the data.

II. How We Use Your Information

We use the personal information we collect for a variety of purposes in operating our business and providing the Services to you. The primary purposes for which we use your information include:

A. To Provide and Operate Our Services. We use your information to deliver the Services and features you request. For example, we use personal details to create and manage your user account, to display your credit score when you ask for it, to connect you with third-party service providers at your request, or to generate personalized financial offers and recommendations. Essentially, all the day-to-day functionality of our Platform — from retrieving your financial data when you link an account, to calculating your home value estimate, to sending you alerts you sign up for — involves use of your information.

B. To Improve and Develop Our Services. We continually seek to enhance our offerings. We analyze how users interact with our Platform to troubleshoot issues, develop new products or features, and improve usability and content. For instance, user feedback and usage data may be used to refine our tools (like improving the accuracy of our home valuation model) or to design new service offerings that better meet users’ needs.

C. To Personalize Your Experience. We want the information and experience you have on Ask Raffucci to be relevant to you. We may use data (such as your browsing behavior, account information, or preferences) to customize the content you see, remember your preferences (like saved properties or preferred language), auto-fill form fields to save you time, and present targeted recommendations or insights. This personalization also includes using cookies and similar tracking to recognize you across sessions and devices, so your experience is seamless.

D. To Monitor and Protect the Security of the Platform. We process certain information to detect and prevent fraud, hacking, misuse, or other harmful activities. For example, we may use your IP address, device info, and usage patterns to identify suspicious logins or attempts to scrape data. If we notice unusual activity, we might prompt you for additional verification or take steps to secure your account. We also maintain technical logs and may review communications for compliance and security purposes (e.g., if required to investigate a violation of our terms or law).

E. To Communicate with You. We use your contact information (such as email address and phone number) to send you important administrative or account-related communications. These include, for example: confirmation of account registration; responses to your inquiries or support requests; alerts you signed up for (like property value updates or rate alerts); and notices of changes to terms, policies, or other service-related announcements. We may also send you promotional communications about new features, special offers, newsletters, or other information we believe may interest you, but you have control over receiving these marketing messages (see Opting Out of Communications below). If you contact us by email, chat, or phone, we will use the information you provided to help resolve your question or issue, and we may follow up to ensure your concerns are addressed.

F. To Provide Relevant Advertising and Content. We (and third parties) use cookies and automatically collected data to:

Remember your preferences and inputs so you don’t have to re-enter information (for example, keeping you logged in or remembering the last calculator tool you used).
Provide personalized content and recommendations across different pages or sessions. For example, if you were researching mortgage rates, we might later show you related articles or offers on our site.
Show you personalized advertisements on our Platform or on other websites/apps tailored to your interests and browsing history. For instance, if you use an Ask Raffucci tool to inquire about refinancing, you may later see ads for mortgage offers when you visit other websites. These ads may be delivered by our advertising partners based on information about your interaction with our Services.
Measure the effectiveness of our marketing campaigns and the performance of our Services. We use cookies and pixels to understand things like how many users saw a particular ad and then signed up, or which email campaigns drew engagement.
Analyze aggregate usage metrics. We produce analytics such as total visitor counts, traffic sources, and demographic patterns (when available) to understand our audience and product usage.
Track your entries and status in promotions, contests, or surveys. If we run a promotion or survey, cookies might be used to ensure, for example, that you don’t fill out the same survey twice or to store your progress.

We may also partner with third-party ad networks and analytics providers who use cookies or similar technologies to collect information about your online activities over time and across different websites. These partners help us deliver ads (on our site or elsewhere) that may be more relevant to you. (To learn about your choices with respect to interest-based advertising, see the California Privacy Notice and our Cookie Policy for more details.)

G. To Offer Financial Insights and Product Recommendations. If you choose to access your consumer credit reports or link financial accounts through our Services, we use that information to provide features such as your free credit score and periodic credit updates. We may also analyze your credit profile and other financial data to suggest relevant financial products or services offered by our partners. For example, based on your credit score and profile, we might recommend credit cards, loans, or refinancing offers that you are more likely to qualify for or that could be of interest to you. (These recommendations are optional, and you are under no obligation to act on them.) We will use the information responsibly and as described in this Policy when making such suggestions.

III. When and How We Disclose Your Information

We do not sell or rent your personal information to third parties for their own marketing purposes without your consent. We do, however, share certain information with third parties in the following contexts, as needed to provide our Services and run our business. Wherever personal information is shared, we strive to ensure it is handled securely and only for the purposes described.

A. Disclosure of Information in the Normal Course of Business

In order to deliver the Services and operate effectively, we may share your personal information with certain types of third parties. The categories of third-party recipients include:

Service Providers: We share personal information with trusted third-party vendors and service providers who perform functions on our behalf, in order to support our operations and the provision of Services. These include, for example, companies that provide website or application hosting, data storage, analytics, customer support tools, email/SMS delivery, marketing and advertising services, identity verification services, payment processing, and security functions. We authorize these service providers to use or disclose the information only as necessary to perform services on our behalf or to comply with legal requirements, and we contractually require them to safeguard the privacy and security of personal information they process for us.
Financial Institutions and Partners at Your Request: If you utilize our Services to request or pre-qualify for third-party financial products (such as loans, credit cards, insurance, or banking services), we will share the necessary personal information with the relevant partner(s) to fulfill your request. For example: when you ask for mortgage quotes, we send your inquiry and provided details to participating lenders; if you apply for a credit card offer through our Platform, we transmit your application data to the card issuer. In each case, the information shared is used by that third-party to process your request or application. Important: Once transferred, your data will also be subject to the third-party’s privacy policy (they should provide this to you, especially if you submit an actual application). Similarly, if you request to be contacted by a real estate agent or other professional, we will provide your contact info and inquiry to the appropriate individual or firm, who will then communicate with you directly.
Credit Bureaus and Data Aggregators: As described in Section I(C), if you request certain financial services (like retrieving your credit score or report, or aggregating external financial accounts), we disclose the necessary identifying information (such as your name, SSN, and other personal identifiers) to the credit bureau or data aggregator that provides that data to us on your behalf. We also share some of the information we have collected about you (such as credit history or financial account data) with credit reporting agencies or similar organizations when required for our business operations or at your direction. For instance, if you inquire about certain financial products, we might send limited data to credit bureaus or lending partners to generate offers, perform soft credit checks, or monitor credit updates.
Marketing and Joint Product Partners: We may share limited information with certain partners when we co-sponsor a product or service or co-promote an offer. For example, if Ask Raffucci collaborates with another company to offer a co-branded service or a joint seminar, and you sign up, we might share your registration information with that partner. In such cases, we will make clear at the point of data collection that the information will be shared and who the other party is, so you can decide whether to participate.
Public or Community Areas: If our Platform includes any community forums, message boards, blog comment areas, or similar public interactive features, any information you post or disclose in those areas (including personal details, commentary, images, etc.) can be read, collected, or used by others who visit those areas. Please use caution when deciding to share any personal information in a public forum. We are not responsible for the information you choose to submit in these public spaces, and we strongly urge you not to post sensitive personal data in any public forum.
Business Transfers: If we undergo a business transaction such as a merger, acquisition by another company, reorganization, sale of all or a portion of our assets, or in the unlikely event of bankruptcy, your personal information may be transferred to a successor or affiliate as part of that transaction. We will ensure that any such entity is bound by terms that protect the privacy of your information consistent with this Policy. You will be notified via a prominent notice on our website or by email of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information as a result of the transaction.
With Your Consent or At Your Direction: We will share your personal information with other third parties when you expressly consent to or request such sharing. For example, if you instruct us to share your information with a financial advisor, friend, or any other third party, we will do so upon your direction (we may verify your identity and authorization before doing so). Outside of the specific situations described in this Privacy Policy, you will receive a notice and the opportunity to consent to sharing your personal information with any additional third parties.

B. Disclosures Required by Law or Necessary for Protection

We may disclose your personal information as required or permitted by law, or when we, in good faith, believe that disclosure is necessary to protect our rights, your safety or the safety of others, investigate fraud, or respond to a legal request. Situations where this may occur include:

Compliance with Legal Obligations: If we receive a subpoena, court order, search warrant, law enforcement request, or other legal process compelling disclosure, we may release any information about you that is required to comply with such demand. We also may share information in order to establish or exercise our legal rights, to defend against legal claims, or as evidence in litigation in which we are involved.
Enforcing Our Terms and Protecting Our Platform: We may disclose information if we believe it is necessary to investigate, prevent, or take action regarding suspected violations of our Terms of Use, fraud, or other illegal activities; to protect and defend the rights, property, or safety of Ask Raffucci, our users, or the public; or to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual illegal activity.
Audits and Examinations: If required by regulators or auditors for compliance examinations (for example, if we are involved in financial activities that are examined by government regulators), we may be obligated to provide access to relevant records, which could include personal information.

In any such case, we will only share the information that is reasonably necessary and will object to or refuse requests that we believe are improper, overbroad, or lack proper authority.

C. Third-Party Tracking and Online Advertising

As mentioned, we allow certain third parties to collect information about users through our Platform for the purpose of analytics, advertising, and similar activities. These third parties may collect information via cookies or other tracking technologies (as described in Section II(F)) and may share the collected information (e.g., about your browsing activity on our site) with us and with other websites or entities that are part of the third parties’ ad networks.

Third-Party Analytics: We use third-party analytics providers like Google Analytics to understand usage of our Services. These providers set their own cookies or identifiers to collect information about your use of our site (e.g., which pages you visit, how long you spend, how you arrived at our site). They provide us with aggregate data that helps us improve the Service and understand user interests. These analytics providers may also use this data for their own purposes, subject to their privacy policies.
Interest-Based Advertising: We participate in interest-based (behavioral) advertising, which means that third-party ad companies may use technology to collect data about your visits to our site and other sites in order to provide you with relevant ads about goods and services tailored to your interests. For example, we may use Google Ads, Facebook Ads, or similar networks to show you Ask Raffucci ads on other websites after you’ve visited our site. These networks use cookies or mobile ad IDs to track your online activities over time and across sites. They then display ads that are likely to be of interest based on that collected data. We do not share personally identifying information (like your name or email) with third-party advertisers for their own use, but these partners may link the data they collect via cookies with other information they have collected independently (such as your Google or Facebook account data if you are logged in while browsing).

Your Choices: For information on how to opt out of certain third-party data collection and targeted advertising, please see Section VI (Rights of California Residents) and the steps outlined in our California Privacy Notice below (which includes do-not-sell/sharing mechanisms). Additionally, many browsers allow you to block or delete cookies, and device settings may allow you to limit the use of mobile IDs for advertising purposes. Keep in mind that disabling cookies may affect the functionality of our Services.

D. Telemarketing and Communications Consent

If you provide your phone number to us and consent to receive calls or texts (for example, by submitting a form requesting to be contacted by a partner agent or lender), you acknowledge that you may receive autodialed or pre-recorded calls or SMS messages from us or the third party you expressed interest in. Standard carrier message/data rates may apply. You can opt out of communications at any time as described in Section IV(D) below (Opting Out of Communications).

E. Sharing of Anonymized or Aggregated Data

We may share data that has been aggregated and/or anonymized in such a way that it no longer is associated with an identifiable individual. Such data is not considered personal information and may be used for any legitimate business purpose. For example, we might publish reports or infographics showing average real estate trends or user demographics, or share anonymized usage statistics with partners. These reports will not contain any information that could be used to identify you personally.

IV. Managing Your Data and Your Choices

We strive to provide you with control over your personal information. This section describes how you can manage your data and exercise various choices regarding privacy.

A. Accessing and Correcting Your Information

Accessing Your Account Data: If you have an Ask Raffucci account, you can log in at any time to access and review certain personal information in your profile. Within your account dashboard, you may be able to see details like your name, contact info, saved preferences, and in some cases data we’ve obtained (such as your credit score, if applicable). We encourage you to keep your account information up-to-date.
Correcting Your Information: If any of your personal information is inaccurate or has changed, please update it. Many fields (such as your contact email or phone, mailing address, etc.) can be edited directly by you in your account settings. For any information not directly editable (or if you don’t have an account interface), you may contact us to request correction. For instance, if you discover that some data we have is incorrect (perhaps an outdated address or a typo in your name), reach out via [email protected] and we will take reasonable steps to correct any inaccuracies. In some cases, we might need to verify your identity or ask for additional details (especially for significant changes).
Information from Third-Party Sources: If the incorrect data originated from an external source (like a credit bureau or public record), we may direct you to the source (for example, to dispute incorrect credit report information with the credit bureau). However, if it’s data that we display, we will assist in updating our records once it’s corrected at the source.

Please note that we may retain historical information in backups or archives as permitted by law, and certain information might not be changed once submitted (for instance, if you entered information as part of an application that was already submitted to a third party, we cannot change that record—though you could submit a new corrected application).

B. Deactivation or Deletion of Your Account

Account Deactivation: You can choose to deactivate your Ask Raffucci account at any time. Deactivating your account typically means that your account will be closed and you will no longer be able to log in or use the Services associated with that account. To deactivate, you may use a self-service option in your profile settings (if available) or send us a request at [email protected] asking to deactivate your account. We may ask you to verify your identity (to ensure the request is legitimate) before processing.

After deactivation, your profile will no longer be accessible through the Services. However, account deactivation is not the same as data deletion. We generally will retain your personal information for as long as needed for our business operations or as required by law (see Data Retention below). For instance, even after deactivation, we may keep data to comply with legal obligations, resolve disputes, or enforce agreements. We will mark your account in our systems as “closed” and restrict access to your personal data per our internal policies.
Data Deletion Requests: You also have the right to request deletion of your personal information under certain circumstances (for example, as provided by applicable law like the CCPA for California residents). Section VI (Rights of California Residents) below details how to make a deletion request and the exceptions that might apply. We will review deletion requests on a case-by-case basis as required by law. If your request is granted, we will delete (or anonymize) your personal information from our active systems and records, except that we may retain certain limited information as permitted by law (such as records of transactions you entered into, for legal compliance, or data stored in routine backups).
Effect of Deletion: Keep in mind that removing information from our active database does not ensure that it will never exist in any form. Due to technical constraints and data backups, some residual data may remain in archived/backup copies for a certain period. If we have shared your information with third parties (per this Privacy Policy) or you shared information with others via our Platform (e.g., posts in a public forum), we cannot delete data not under our control. We will, however, notify third parties processing your data on our behalf of your deletion request where required by law.

C. Data Retention Policy

We will retain your personal information for as long as reasonably necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. For example:

If you have an account with us, we will generally keep your account information while your account is active and for a period of time after. Even if you deactivate your account, we may keep certain data to comply with our legal obligations (such as maintaining records of transactions), to resolve disputes or enforce agreements, or for other legitimate business purposes such as fraud prevention.
If you filled out a lead form or request without creating a full account, we will keep the information you provided for a certain period in case the business opportunity is still active (for example, if we’re still processing your request or if it looks like you might still be interested), and also to ensure we can comply with any legal requirements (e.g., telemarketing opt-out enforcement, which requires us to keep minimal contact info to honor do-not-call requests).
We maintain backup systems to protect against accidental or malicious data loss. Information that is deleted or modified in our primary systems might persist in backups for a time until those backups are cycled out.
When we no longer have a legitimate need to retain your personal information, we will securely delete or anonymize it. If deletion or anonymization is not feasible (for example, because the data has been stored in long-term archival systems), then we will securely store your personal information and isolate it from further use until deletion is possible.

In summary, our retention practices strive to ensure we do not keep personal data longer than necessary, while also ensuring that we can comply with legal retention mandates and have the information available to serve you and protect our services.

D. Opting Out of Communications

You have control over how we communicate with you:

Marketing Emails: If at any time you prefer not to receive promotional email communications from us (such as newsletters, special offers, or other marketing messages), you may unsubscribe by using the “unsubscribe” link in the footer of any marketing email we send. After you unsubscribe, we will stop sending you non-transactional emails, but please note it may take a few business days to process your opt-out request and you may still receive emails already in production. Also, note that even if you opt out of marketing emails, we may still send you important account or transactional emails (such as notifications about your account, security alerts, password resets, confirmations of services you have requested, or updates to our terms and policies).
Text Messages: If you have signed up to receive SMS or text messages from us (for example, updates or alerts), you can opt out at any time by following the instructions in the text message (commonly, replying “STOP” to any message you receive from us or our short code). You may also text “HELP” for assistance. Upon receiving a STOP request, we will send a final confirmation message and then cease text communications except for messages responding to your STOP or HELP request. Please note that we only send text messages with your consent (e.g., when you provide your number and agree to receive texts).
Push Notifications: If you use our mobile app and have enabled push notifications, but later change your mind, you can disable push notifications at any time in your device’s settings or in the app’s settings.
Telephone Calls: If you do not wish to receive marketing or promotional calls, you can let us know and we will place your number on our internal Do Not Call list. If you have previously provided consent to be called and wish to revoke that consent, please contact us at [email protected] or follow the instructions in any call you receive (many of our partners also maintain their own DNC lists). Keep in mind that, even if you are on a national or state Do Not Call registry, by providing your number and consenting to communications, you may receive calls from us or our partners as described earlier. To stop such calls, you will need to directly opt out with us and/or the partner in question.
Third-Party Marketing: We do not share your personal information with unaffiliated third parties for their own direct marketing use without your permission. If this practice were to change, we would provide the appropriate opt-in or opt-out choices as required by law.

Please note: If you opt out of receiving certain communications, we may still process your personal information in other ways (for example, to fulfill transactions or provide services you requested, or in maintaining records of your opt-out). Opting out of communications with us does not automatically opt you out of communications from third parties. If you have been contacted by a third-party (such as a lender or real estate professional) and no longer wish to hear from them, you will need to communicate that request directly to them. We can assist by notifying a partner of your opt-out if needed, but Ask Raffucci is not responsible for ensuring compliance by third parties with your opt-out requests.

V. Safeguarding Your Data

We implement a variety of security measures designed to protect your personal information and keep it secure. These measures include technical, administrative, and physical safeguards intended to prevent unauthorized access to, or use of, the data we store.

Encryption: We use encryption protocols to protect sensitive data. For example, our website employs HTTPS (SSL/TLS) to encrypt information transmitted between your browser and our servers. If you enter sensitive information (such as a Social Security number or account credentials) into our forms, that data is transmitted securely over an encrypted connection. We also encrypt certain data at rest in our databases, especially sensitive fields.
Access Controls: We restrict access to personal information within our organization to employees, contractors, and agents who need to know that information in order to process it for us, and who are subject to strict confidentiality obligations. We maintain policies about data access and make sure that those who handle personal information are trained in security and privacy best practices.
Authentication: To access your Ask Raffucci account, you must provide your username and password (and we strongly encourage you to choose a unique, strong password and to enable any multi-factor authentication options we offer). We never ask you for your password via email or phone. If you suspect someone is impersonating Ask Raffucci, please contact us directly.
Monitoring: Our systems and networks are monitored for vulnerabilities and potential intrusions. We use firewalls, intrusion detection systems, and other monitoring tools to protect against unauthorized network access. We also routinely update and patch our software to address security vulnerabilities.
Audits and Testing: We periodically review our information collection, storage, and processing practices, including physical security measures, to guard against unauthorized access to systems. We may also use independent auditors or security experts to test the security of our systems.

Despite our efforts, please be aware that no security measures are perfect or impenetrable. We cannot guarantee that data breaches will never occur. You can help protect your data by safeguarding your account credentials and by alerting us immediately if you suspect any unauthorized access to your account. If we become aware of a security breach that affects your personal information, we will notify you in accordance with applicable laws.

By using our Services, you acknowledge that you understand and agree to assume these security risks.

VI. Rights of California Residents

If you are a resident of California, you have specific privacy rights under the California Consumer Privacy Act (CCPA) (as amended by the California Privacy Rights Act, effective January 1, 2023) regarding your personal information. This section provides details required by the CCPA and explains how to exercise those rights. It also applies to personal information of California residents collected in connection with business-to-business (B2B) transactions with us (to the extent those rights are not exempt under the law).

Categories of Personal Information Collected: In the preceding 12 months, we have collected (and shared) the following categories of personal information about California consumers through the Ask Raffucci Services:

Identifiers: Such as real name, alias, postal address, unique personal identifier, online identifier (e.g., device IDs, cookie IDs), Internet Protocol (IP) address, email address, and telephone number. (These are collected directly from you and via your interactions with our Services. We use them for purposes such as providing the Services, communicating with you, fraud prevention, and marketing. We disclose identifiers to service providers (e.g., cloud hosting, communication providers), to partners when you request or consent (e.g., sharing your contact info with a realtor), and in some cases to advertising networks/analytics providers via cookies as described above.)
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)): This includes contact information (name, address, telephone number), and certain financial or insurance information you provide (if, for instance, you provide mortgage details or salary information in an application). We collect much of this directly from you (e.g., via forms) and from credit bureaus or financial institutions at your direction. We use it to provide services (like matching you with lenders), and share it with those lenders or financial partners at your request. We also share this info with service providers as needed for business operations.
Protected classification characteristics under California or federal law: For example, age (if provided, or inferred from other data such as self-reported birthdate or eligibility for senior programs), sex/gender (if you choose to provide it or if it can be inferred from salutation or name), marital status (if you provide it, e.g., during a mortgage inquiry), etc. We do not require most protected characteristics for basic use of our Services, but you might volunteer some (for example, in a user profile, survey, or if applying for a specialized program). We use this information to personalize services or as required for partner offers (some programs have age or veteran status criteria), and we do not use sensitive characteristics for marketing without consent. We would share such info only as needed to fulfill your requests (e.g., passing along to a lender if relevant to a loan program) or as part of aggregated analytics (without identifying you individually).
Commercial information: Including records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. For instance, if you use our Services to find a real estate agent or lender, we maintain a record of that request; if you obtain a loan through one of our partners, we may receive confirmation of that transaction. We also maintain records of the Ask Raffucci services you have used or inquiries you have made (such as which loan offers you clicked or which blog articles you read). This information is collected from your interactions and from partners who may report back to us about the outcome (for example, a lender may tell us that you ultimately closed a loan with them). We use this info to understand our business performance, improve services, and suggest other offerings you might be interested in. We share commercial info with service providers (for analytics and business analysis) and, in some cases, with advertising partners (to create custom audiences or measure campaign success, for example, by telling a platform to find similar users to those who took a certain action).
Internet or other similar network activity: This includes your browsing history, search history, and interactions with our website/app or ads. As described earlier, we collect this automatically via cookies and tracking technologies. It covers data like which pages you viewed, how long you stayed, scroll depth, what site or ad brought you to us, etc. We use this data for analytics, to personalize your experience, and to improve our UI and content. We disclose this category of information to analytics providers (like Google Analytics) and advertising partners as part of routine analytics and ad targeting.
Geolocation data: We may collect general location data from IP addresses (which gives a rough geographic region). If you enable precise geolocation on our mobile app or for a feature (for example, to search for nearby properties or services), we will collect precise location data. We use location data to provide location-based services (like showing local listings or tailoring content to your region) and for fraud/security (unusual login locations). We share precise geolocation only with service providers that help us deliver content (like a mapping service) or as directed by you (for example, if you request an agent near your location). Precise geolocation is considered “sensitive personal information” under CPRA — we only collect it with opt-in consent (like when a mobile app asks for location permission), and you can disable it at any time.
Professional or employment-related information: If you provide employment information as part of a financial service (say, your employer name, title, income, etc. on a loan request or profile), we collect that. We use it to help evaluate financial qualifications (e.g., for loan matching) and to provide relevant advice/content (e.g., small business loan offers if you indicate you’re self-employed). We might share this with partners you ask us to connect you with (e.g., lenders often require employment info for prequalification). We don’t otherwise disclose your employer info except to service providers assisting us (like if we run analytics on average incomes of our user base, that would be aggregated).
Education information: If you provide education level or status (for example, whether you are a student, or highest degree attained, etc.) as part of an inquiry or survey, we collect that. It’s generally optional and used for tailoring content or offers (for instance, special loan programs for current students or new grads). We would share it only as relevant (e.g., telling a loan partner that you are currently a student if that’s part of program criteria).
Inferences drawn from other personal information: Using the data we have, we might draw inferences to create a profile about a consumer’s preferences, characteristics, or likely behavior. For instance, based on your browsing, we might infer that you are “interested in home refinancing” or “likely a first-time homebuyer” and then customize content or ads accordingly. These inferences are internal to us and our service providers and advertising partners. Under CCPA, such inferences are considered personal information; we handle them with care and you have rights regarding them similar to your other data.

We do not knowingly collect or process sensitive personal information for purposes of inferring characteristics. The sensitive data we handle (like precise geolocation, Social Security number, or financial account login) is used only for the services requested (e.g., retrieving your credit info or connecting your account), and not to create a profile of you beyond those necessary services.

Retention: We generally retain each category of personal information for as long as necessary to fulfill the purposes described in this Policy (see Data Retention above), which typically means we keep data for the duration of our relationship plus a period after (for legal compliance or internal record-keeping). The exact length varies depending on the category and purpose – for example, network activity logs might be kept for a shorter period (perhaps 1-2 years for analytics data), while account-related info and transaction records might be kept longer (such as 7 years or more for financial records, consistent with regulations and statutes of limitations).

Selling or Sharing of Personal Information: The CCPA requires us to disclose if we “sold” or “shared” (for cross-context behavioral advertising) personal information in the last 12 months.

Sale of Personal Information: We do not sell your personal information for money. However, the CCPA’s definition of “sale” is broad and can include some routine sharing of identifiers or browsing data with third-party advertising partners through cookies. Under that definition, we may be deemed to “sell” the following categories to advertising/marketing partners: Identifiers, Internet/Network Activity, and Inference Data (to the extent our advertising partners create inferences from your activity). This sharing is done for the business purpose of showing you personalized ads. We do not knowingly sell personal data of consumers under 16 without affirmative authorization.
Sharing for Cross-Context Behavioral Advertising: We “share” personal information (as defined by CCPA) for behavioral advertising purposes. Specifically, Identifiers (like cookie IDs or device IDs) and Internet/Network Activity are shared with third-party ad networks and social media platforms so that we can reach you with relevant ads on other sites or measure our ad campaigns. For example, we might share a hashed identifier or cookie info with a platform like Facebook to create a “custom audience” for advertising to users who visited our site. This is considered “sharing” under CCPA.

Your Rights: As a California resident, you have the following rights with respect to your personal information (subject to certain limitations under the law):

Right to Know: You have the right to request that we disclose to you the specific pieces of personal information we have collected about you in the prior 12 months, as well as additional details like the categories of information, the sources of that information, the business or commercial purpose for collecting (or selling/sharing) it, and the categories of third parties to whom we disclose it. (Much of this information is provided in this Privacy Policy.) You may request the full specific information that we have about you as well.
Right to Delete: You have the right to request that we delete personal information we collected from you and retained, subject to certain exceptions. If it’s necessary for us to keep certain information (e.g., for legal compliance or to complete a transaction you requested), we will let you know and will only delete what is permissible.
Right to Correct: You have the right to request the correction of inaccurate personal information that we maintain about you. Considering the nature of the personal information and our purposes for processing it, we will make commercially reasonable efforts to correct it upon verification of a valid request.
Right to Opt-Out of Sale/Sharing: You have the right to opt out of the “sale” of your personal information or the “sharing” of your personal information for cross-context behavioral advertising. This includes the use of certain third-party cookies for analytics and advertising. We provide ways to exercise this right (see below).
Right to Limit Use of Sensitive Personal Information: The CCPA provides that consumers can direct businesses to limit the use of “sensitive personal information” if it is used for purposes other than those allowed by law. However, we do not use or disclose sensitive personal information (such as SSN, driver’s license, financial account login, precise geolocation, etc.) for purposes other than those which are exempt (for example, we only use such data to provide the services requested, to prevent fraud, or as otherwise permitted). Therefore, we do not offer a separate limit mechanism at this time, since we aren’t using sensitive data to infer characteristics or serve you ads, etc. If that changes, we will update our practices and provide a “Limit” link.
Non-Discrimination: You have the right not to receive discriminatory treatment by us for the exercise of your CCPA privacy rights. We will not deny you goods or services, charge different prices, or provide a different level of quality of services because you exercised these rights. (However, please note that if the exercise of your rights limits our ability to process personal information – such as a deletion request – we may not be able to provide you with certain services that require that information.)

How to Exercise Your Rights: To make a Right to Know, Delete, or Correct request, you may use the following methods:

Webform/Portal: Visit our Privacy Center or submit a request through our designated online request form (if available on our website).
Email: Send an email to [email protected] with the subject line “California Rights Request” and let us know which right you wish to exercise (access, deletion, correction, etc.). Please include your full name, the email address associated with your account or interactions with us, and detail the nature of your request.
Phone (if applicable): You may call our toll-free privacy request line at (213) 537-7630 and follow the prompts to submit your request. (If this number is active, it’s provided to comply with CCPA; if not, please use email or webform.)

Verification: For your protection, we will need to verify your identity (and California residency) before processing certain requests. If you have an account, we may verify by requiring you to log in. For others, we might ask for details like your recent interactions or a piece of information that only you would know. For access or deletion of highly sensitive data, we may require a higher level of verification (and we may decline to provide certain pieces of information if the risk to you or your data is too great, e.g., we won’t provide your Social Security number in a response, but would confirm if we have it on file). If we cannot verify your identity to a reasonable or reasonably high degree of certainty (depending on the request), we will not be able to fulfill the request and will notify you.

Authorized Agents: You can designate an authorized agent to make a request on your behalf. If you do so, we will require the agent to provide proof that you gave them signed permission to submit the request, and we may also require you to verify your identity with us directly or confirm that you provided the agent permission. We may deny a request from an agent that does not submit proof of authorization from you.

Response Timing: We will confirm receipt of your request within 10 business days and aim to substantively respond within 45 calendar days. If we need more time (up to an additional 45 days, for a total of 90 days), we will inform you of the reason and extension in writing. If you have an account with us, we will deliver our written response to that account (e.g., via secure message or email associated with the account). If you do not have an account, we will deliver it via email or mail, per your request or based on our relationship. Any disclosures we provide will cover the 12-month period preceding the receipt of your request, or in case of the right to know categories information, we can provide information beyond 12 months if requested and not unduly burdensome (or as required by law). If we have reason to believe the request is fraudulent or cannot verify it, we will not honor it, and will explain why if possible.

Opt-Out of Sale/Sharing (Do Not Sell or Share My Info): To opt out of the “sale” or “sharing” of your personal information for cross-context behavioral advertising, you can take the following steps:

Cookie-Based Opt-Out: Use the “Do Not Sell or Share My Personal Information” link or mechanism on our website footer. By clicking that link, you can access our Cookie Preferences or Opt-Out tool, where you can disable certain categories of cookies (like advertising cookies). By opting out via this method, we will also drop a cookie signaling your opt-out choice (so if you clear cookies or use a new device/browser, you’d need to opt out again).
Global Privacy Control (GPC): We recognize the Global Privacy Control signal. If you or your browser have enabled GPC (a browser setting or extension that broadcasts an opt-out preference), our website will treat it as a valid opt-out request for that browser. Note that GPC opt-outs are browser-specific.
Email or Other Methods: You may also email us at [email protected] with the subject “Do Not Sell or Share” and provide your name, email, and optionally device or cookie identifier if known. We will process it similar to a general opt-out (although the automated methods above are faster for cookie-based sharing).

Once we process an opt-out request, we will, as applicable, stop “selling” or “sharing” your information. This typically means we will instruct advertising partners to stop using your site data for targeted ads, and any future advertising cookies will be blocked or restricted (some may still operate but not for personalized ads). Note that an opt-out by these methods is generally not necessary if you have not allowed optional cookies in the first place (for new visitors in some jurisdictions, we may not drop advertising cookies until you accept them).

Also, note that even after you opt out, you may still see ads – but they would likely be less relevant and not based on your personal information from our site. We may also still share your information as needed for non-advertising purposes (e.g., with our service providers or with third parties when you request a service from us, as described in this Policy).

For more information about our practices and your rights, you may contact us at [email protected] or refer to our California Privacy Notice (this section) any time.

VII. For Global Users (Non-U.S. Residents)

The Ask Raffucci Services are intended for users in the United States. If you choose to use our Services from outside the U.S., please be aware that you are transferring your personal data to the United States, where our systems and servers are located. The data protection laws in the U.S. may differ from those of your country of residence.

By using our Services or providing us with your information, you acknowledge and consent that personal data collected from or about you through the Services may be stored and processed in the United States (and possibly other countries where we or our service providers have operations). We will protect your information as described in this Privacy Policy, regardless of where it is processed.

If you reside in a jurisdiction with data protection laws (for example, the European Economic Area, United Kingdom, Switzerland, etc.), you may have specific rights under those laws (such as GDPR rights). Currently, our Services are not actively marketed to or intended for those jurisdictions. However, if you are a data subject in one of those regions and believe your personal information has been collected by us, you may contact us at [email protected] to inquire about your rights or request any action on your data.

We do not currently offer services in languages other than English or under terms that comply with non-U.S. privacy regulations. By continuing to use our Services, you confirm that you understand your data will be handled in accordance with U.S. privacy laws and this Privacy Policy.

VIII. Protecting Children’s Privacy

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are under 13, please do not use the Services or send any personal information to us.

If we learn that we have inadvertently collected personal information from a child under 13, we will take steps to delete that information from our records as soon as possible. If you believe that we might have any information from or about a child under 13, please contact us at [email protected] so that we can investigate and promptly remove such information.

Parents or legal guardians: if your child (under 18) has provided personal information and you wish to review, correct, or delete it, or if you have any concerns about your child’s personal information, please contact us. For teens between 13 and 17, any information provided to Ask Raffucci is treated similarly to adults’ information, given that use of our Services by minors is intended to be with parental consent or for general informational purposes only. We encourage parents to talk with their children about online safety and to supervise their internet usage.

IX. Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time. If we make material changes to how we collect, use, or share your personal information, we will provide appropriate notice. The form of such notice may include, for example:

Posting a prominent notice on our website or within the mobile app (for instance, via a banner or pop-up) to inform users of an important privacy change.
Updating the “Last Updated” date at the top of this Privacy Policy.
In some cases, we may also send an email or message to users who have provided contact information, to draw attention to the changes.

Any modifications will be effective when posted (unless a later effective date is specified). Your continued use of the Services after a revised Privacy Policy has been posted signifies your acceptance of the updated terms, except where otherwise required by law. If you do not agree with any changes, you should discontinue use of the Services and contact us to exercise your rights (such as deleting your account or opting out of certain practices).

We encourage you to review this Privacy Policy periodically to stay informed about our data practices and the choices available to you.

If you have any questions, concerns, or comments about this Privacy Policy or our privacy practices, or if you wish to exercise your privacy rights (as applicable), please contact us:

Email: Please@askraffucci.com
We will do our best to address and resolve your inquiries in a timely manner. Your privacy is important to us, and we welcome feedback on how we can improve our policies and practices.

Thank you for taking the time to read our Privacy Policy and for trusting Ask Raffucci with your information.

J. Bond, LLC (d/b/a Ask Raffucci)