Privacy, terms, and fair housing

Last updated: June 20, 2026

Ruiz & Associates (“Ruiz & Associates,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit this website and the other Ruiz & Associates websites, submit a form, interact with our team, or communicate with our AI voice agent, phone, text, email, website chat, or other lead follow-up systems.

Information We Collect

We may collect information you provide directly, including your name, phone number, email address, preferred neighborhoods, ZIP code, budget, move-in or purchase timeline, property preferences, income range, estimated credit range, savings range, questions, and other details you choose to share.

Questions asked of the site assistant. When you type a question to the chat assistant, we may store the text of that question, the page you asked it from, and whether the assistant was able to answer it. We do this to find the questions our answers do not yet cover. Your name, phone number, email address and IP address are not stored with these questions, and the answers you give during the assistant’s step-by-step profile are not recorded this way.

When you interact with our AI voice agent or phone systems, we may collect call metadata, call recordings where permitted, transcripts, verification responses, opt-in and opt-out records, timestamps, and notes generated during the lead verification process.

We may also collect technical information such as IP address, browser type, device information, pages visited, referral source, form submission data, and cookie or analytics data.

How We Use Information

• To respond to your request and provide real estate-related follow-up.
• To verify information through an AI voice agent, phone call, text, or email.
• To route your lead information into our internal lead-management software, scheduling, phone, text, email, and workflow systems.
• To match you with rental options, first-time buyer resources, information, lender or program next steps, or other services you request.
• To maintain records of consent, communication preferences, opt-out requests, and lead status.
• To improve our website, marketing, automation, customer experience, and internal workflows.
• To comply with legal obligations, enforce our terms, prevent fraud, and protect our rights.

Contact Consent and AI Voice Follow-Up

By submitting a form, checking any consent box, or otherwise requesting follow-up, you authorize Ruiz & Associates and its service providers to contact you using the information you provide. This may include phone calls, text messages, emails, AI or automated voice calls, prerecorded/artificial voice messages where permitted, and manual outreach.

Consent is not required as a condition of buying, selling, renting, or receiving real estate services. Message and data rates may apply. You may opt out of text messages by replying STOP, or you may ask us to stop contacting you through any reasonable method.

How We Share Information

We may share information with service providers and business systems that help us operate the website and follow up with leads, including AI voice agent providers, telephony providers, SMS providers, email providers, website hosting providers, analytics providers, our internal lead-management software and other workflow automation systems.

We may also share information with Ruiz & Associates team members, licensed real estate professionals, lenders, program administrators, vendors, or other parties when needed to respond to your request or when you ask us to coordinate a next step. We may disclose information if required by law, court order, regulation, or to protect rights, safety, or property.

We do not sell your personal information for money. If a future use would be considered a “sale” or “sharing” under an applicable privacy law, we will provide any required notice and opt-out rights.

Cookies and Analytics

We may use cookies, pixels, analytics tools, and similar technologies to understand website performance, measure marketing results, improve user experience, and support lead follow-up. You can adjust browser settings to block or delete cookies, although some features may not function properly.

Data Security and Retention

We use reasonable administrative, technical, and organizational measures designed to protect information. No website, phone system, lead-management software, or electronic storage method is completely secure. We retain information for as long as reasonably necessary for lead follow-up, business records, legal compliance, dispute resolution, and operational needs.

Credit and Financial Information

We may ask for general self-reported information such as estimated income, savings, or credit score range. We do not obtain consumer credit reports through this website and the other Ruiz & Associates websites unless you separately authorize a permitted provider to do so. This website does not make lending, credit, legal, tax, or financial decisions.

Your Choices

• You may request that we update, correct, or delete certain information, subject to legal and operational limits.
• You may opt out of marketing texts or calls.
• You may request information about how your lead data is handled.
• You may disable cookies through your browser.

Children’s Privacy

This website is intended for adults seeking real estate-related information. We do not knowingly collect personal information from children under 13.

Third-Party Links and Services

This website may link to third-party websites or use third-party tools. We are not responsible for the privacy practices, security, or content of third-party services.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new “Last updated” date.

Contact Us

Questions about this Privacy Policy or your information can be discussed by calling (305) 267-4848.

Last updated: June 20, 2026

These Terms of Use (“Terms”) govern your use of this website and the other Ruiz & Associates websites and any forms, pages, tools, content, communications, and lead follow-up workflows provided by Ruiz & Associates (“Ruiz & Associates,” “we,” “our,” or “us”). By using this website and the other Ruiz & Associates websites or submitting information, you agree to these Terms.

1. Website Purpose

This website provides general real estate information, lead intake, and follow-up for rental locator services, first-time buyer guidance, education, and related real estate support. The website is not a lender, credit repair company, law firm, tax advisor, financial advisor, government agency, or program administrator.

2. No Guarantee

Information on this website and the other Ruiz & Associates websites is educational and general in nature. We do not guarantee rental approval, home purchase approval, mortgage approval, eligibility, program availability, property availability, pricing, rental terms, loan terms, closing timelines, or any specific result. Program rules, funding, property availability, market conditions, landlord requirements, and lender requirements can change at any time.

3. Form Submissions and AI Voice Verification

When you submit a form, your information may be reviewed by Ruiz & Associates and may be processed by an AI voice agent, automated calling system, text system, email system, our internal lead-management software, or another internal lead-management software system. The AI voice agent may call to verify your information, ask clarifying questions, collect missing details, and help route your request to the appropriate next step through Ruiz & Associates’ internal systems.

You agree that the information you submit is accurate and that you are authorized to provide it. Do not submit information for another person unless you have permission.

4. Communications Consent

By submitting a form, checking any consent box, or otherwise requesting contact, you authorize Ruiz & Associates and its service providers to contact you by phone, text, email, AI or automated voice agent, prerecorded/artificial voice where permitted, and manual outreach using the contact information you provide. Consent is not required as a condition of buying, selling, renting, or receiving services. Message and data rates may apply. You may opt out at any time.

5. User Responsibilities

• Provide accurate, current, and complete information.
• Do not submit false, misleading, fraudulent, or unlawful information.
• Do not interfere with website security, forms, automation, lead-routing, or normal website operations.
• Do not copy, scrape, reverse engineer, or misuse website content or systems.

6. Fair Housing

Ruiz & Associates supports Equal Housing Opportunity and does not intend to discriminate in violation of federal, state, or local fair housing laws. Users may not use this website and the other Ruiz & Associates websites or our services to request, encourage, or participate in discriminatory housing practices.

7. Third-Party Services

We may use third-party systems for hosting, forms, telephony, AI voice calls, lead-management software, email, SMS, analytics, scheduling, lender coordination, program information, and other business operations. We are not responsible for third-party websites, services, availability, errors, or content.

8. Content and Intellectual Property

All website content, layout, copy, graphics, images, branding, and design elements are owned by or licensed to Ruiz & Associates unless otherwise stated. You may not copy, modify, distribute, or use content for commercial purposes without permission.

9. Disclaimer of Warranties

The website and its content are provided “as is” and “as available.” We do not warrant that the website will be uninterrupted, error-free, secure, complete, or current, or that any information will meet your specific needs.

10. Limitation of Liability

To the fullest extent permitted by law, Ruiz & Associates and its owners, agents, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunities, or reliance on website content.

11. Indemnification

You agree to defend, indemnify, and hold harmless Ruiz & Associates and its owners, agents, service providers, and affiliates from claims, losses, liabilities, damages, costs, or expenses arising from your misuse of the website, violation of these Terms, or submission of inaccurate or unauthorized information.

12. Changes to These Terms

We may update these Terms from time to time. Continued use of the website after updates means you accept the revised Terms.

13. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles, unless applicable law requires otherwise.

14. Contact

Questions about these Terms can be discussed by calling (305) 267-4848.

Terms for our other sites

Each of our specialist sites carries its own terms, because each one describes a different service. The privacy policy and the fair-housing commitment are the same across all of them.

• Down Payment Assistance
• First-Time Buyer
• Rental Help

Last updated: June 20, 2026

Ruiz & Associates supports Equal Housing Opportunity. We are committed to providing real estate-related services in a professional and non-discriminatory manner.

Our Commitment

We do not intend to discriminate against any person because of race, color, religion, sex, national origin, familial status, disability, or any other class protected by applicable federal, state, or local law.

What This Means

• We provide real estate guidance without steering clients toward or away from neighborhoods based on protected characteristics.
• We do not make housing recommendations based on race, religion, national origin, sex, disability, familial status, or other protected traits.
• We aim to present information in a way that helps clients evaluate budget, property fit, timing, commute, documents, and availability.
• We support reasonable accommodation requests where applicable and encourage clients to share accessibility needs so the proper party can review them.

Rental, Buyer, and Assistance Information

Landlords, property managers, lenders, associations, program administrators, and other third parties may have their own lawful requirements, timelines, availability, and review processes. Ruiz & Associates does not guarantee approval, program eligibility, property availability, or third-party decisions.

Reporting a Concern

If you believe a fair housing issue occurred during your interaction with Ruiz & Associates, contact us at (305) 267-4848 so we can review the concern.

You may also learn more about fair housing rights and complaint options through the U.S. Department of Housing and Urban Development at HUD Fair Housing and Equal Opportunity.