Privacy Policy

WholesaleReverse.com (the “Site”) is operated by South River Mortgage, LLC (NMLS ID 1854524) (“South River Mortgage,” “we,” “us,” or “our”). This Privacy Policy describes how we collect, use, share, and protect information when you visit the Site, submit a form, upload a loan tape, or otherwise interact with us through the Site.

The Site is intended for mortgage professionals, financial institutions, and their authorized representatives. It is not directed to consumers. If you are a consumer with a South River Mortgage loan or loan inquiry, the South River Mortgage privacy policy describes how your information is handled.

By using the Site you agree to this policy and to our Terms of Use. If you do not agree, please do not use the Site.

Information you give us

• Contact and business details. Your name, company, title, NMLS ID, business email address, phone number, state, how you heard about us, and anything you write in a message field.
• Partnership inquiry details. Information about your company and its lending activity, such as the capacity you want to work in (broker, correspondent, or principal agent), the products you originate, origination volume, reverse mortgage experience, and who would sign an agreement.
• Loan tape data. When you use the Qualify Your Book tool you upload a spreadsheet describing loans in your portfolio. A loan tape may include borrower names, property addresses, loan balances, interest rates, origination dates, and similar loan-level details, some of which is nonpublic personal information about your customers. We treat loan tape data as confidential, use it only to screen loans for reverse mortgage eligibility and to prepare your qualification results, and handle it under the safeguarding requirements of the Gramm-Leach-Bliley Act. You are responsible for having the right to share it with us, as described in our Terms of Use.

Information collected automatically

When you visit the Site our servers record technical information such as your IP address, browser type and version, device and operating system, the pages you view, the page that referred you, and the date and time of each request. We use your IP address to apply rate limits to the upload tool and to protect the Site from abuse. See Cookies and similar technologies for the cookies and browser storage we use.

Information from other sources

We may supplement what you give us with information from the Nationwide Multistate Licensing System (NMLS), state regulators, business directories and other public sources, our affiliates, and referral partners, for example to verify licensing before we enter into a partnership.

We use the information we collect to:

• Respond to your inquiries and schedule calls with our team.
• Evaluate, onboard, and manage broker, correspondent, and other partnership relationships, including verifying licenses and preparing agreements.
• Run the Qualify Your Book tool, deliver your qualification results, and follow up with you about them.
• Send you information about our wholesale and correspondent programs, ReversePilot, pricing, training, and events. You can opt out of marketing messages at any time (see Communications and your choices).
• Operate, secure, troubleshoot, and improve the Site, including measuring which pages and campaigns are used.
• Comply with legal, regulatory, licensing, and record-keeping obligations, prevent fraud, and enforce our agreements.

We do not sell personal information. We share information only as described here:

• ReversePilot. ReversePilot is the loan origination platform built and operated by South River Mortgage. Loan tapes and partnership inquiries submitted through the Site are processed and stored in ReversePilot.
• Service providers. Companies that host the Site, deliver email and text messages, provide scheduling, electronic signature, customer relationship management, analytics, and similar services on our behalf. They may use the information only to perform those services for us.
• Affiliates. Companies under common ownership with South River Mortgage, for the purposes described in this policy.
• Professional advisors. Our lawyers, auditors, accountants, and insurers when needed.
• Legal and regulatory. Regulators, government agencies, and law enforcement when required by law, regulation, subpoena, or court order, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business transfers. A buyer, successor, or investor in connection with a merger, acquisition, financing, or sale of all or part of our business.
• At your direction. When you ask us to share information, for example with a settlement agent or investor.

We do not share loan tape data with anyone other than service providers acting on our behalf unless you direct us to or the law requires it.

Email. You can stop marketing email at any time by clicking the unsubscribe link in any message or by contacting us at info@wholesalereverse.com. We may still send you messages about an active partnership, a loan tape you submitted, or an agreement in progress.

Phone and text. By giving us a phone number you agree that South River Mortgage and its representatives may call or text you at that number about our wholesale and correspondent programs, including with automated dialing or texting technology. Consent is not a condition of doing business with us. Reply STOP to any text message to opt out. Message and data rates may apply.

The Site uses the following cookies and browser storage:

• Site access cookie. Parts of the Site are protected by an access code. When you enter it we set a cookie so you stay signed in for 24 hours. This cookie is required to use the protected pages.
• Tool progress. The Qualify Your Book tool keeps your upload reference, name, and email in your browser’s session storage so you can return to your results in the same tab. This is cleared when the tab is closed.
• Resource access. When you request a download from the resource library we store a flag in your browser so you are not asked for your details again.
• Analytics and advertising. We may use services such as Google Analytics, Google Ads, or Meta to measure how the Site is used and how our campaigns perform. These services set their own cookies and may collect your IP address, device identifiers, and browsing activity on the Site.

You can control cookies through your browser settings. Blocking the site access cookie will prevent you from using the protected pages. To opt out of interest-based advertising, visit the Network Advertising Initiative or Digital Advertising Alliance opt-out pages. Where required by law we honor opt-out preference signals such as Global Privacy Control for the browser that sends them.

We maintain administrative, technical, and physical safeguards designed to protect the information we collect, including encryption in transit, access controls, and staff training. Loan tape uploads are transmitted over encrypted connections and processed inside ReversePilot under our information security program. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. If you believe your information has been compromised, contact us at info@wholesalereverse.com.

We keep information for as long as reasonably necessary for the purposes described in this policy, to support an active or prospective partnership, and to meet legal, regulatory, and record-keeping requirements. Loan tape data is kept for as long as needed to deliver and support your qualification results and any resulting partnership, after which it is deleted or anonymized in line with our retention schedule. You may ask us to delete a loan tape you submitted by contacting us at info@wholesalereverse.com.

Depending on where you live, you may have the right to ask us to confirm whether we process your personal information, to access or receive a copy of it, to correct it, to delete it, or to opt out of targeted advertising, the sale of personal information, or certain profiling. You may also have the right to appeal a decision we make about your request.

To exercise any of these rights, email info@wholesalereverse.com or call (888) 249-5447. We will verify your request before acting on it, which may require confirming information we already hold about you. An authorized agent may make a request on your behalf with proof of authorization. We will not discriminate against you for exercising your rights.

Information we collect and process subject to the Gramm-Leach-Bliley Act, including loan tape data, is exempt from many state consumer privacy laws. California residents: we do not sell personal information or share it for cross-context behavioral advertising as those terms are defined by California law, and the categories of personal information we have collected in the past 12 months are those described in Information we collect.

The Site is for mortgage professionals and is not directed to anyone under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will delete it.

The Site links to other websites and services, including NMLS Consumer Access, southrivermortgage.com, scheduling tools, and electronic signature services. Those sites have their own privacy practices, and this policy does not apply to them.

We may update this policy from time to time. When we do, we will post the updated version on this page with a new effective date. Material changes may also be announced by email or a notice on the Site. Your continued use of the Site after a change takes effect means you accept the updated policy.

Questions or requests about this policy can be sent to:

South River Mortgage, LLC
Attn: Privacy
1750 Forest Drive, Suite 195
Annapolis, MD 21401
(888) 249-5447
info@wholesalereverse.com