In today’s episode of the Best of Raleigh Podcast, we are featuring Ryan Darge,https://media.agentaprd.com/sites/986/OriginPoint.webp?quality=80 1x, https://media.curaytor.com/resize-1408-0/b1806140-34c0-490e-9d79-2b67c334f017/img.webp?quality=80 2x”>
Mortgage lending transcends mere figures. it significantly affects both the economic landscape and individual real estate decisions. Ryan Darge offers profound insights on how current mortgage rates are influencing the property market. He dispels a common myth that federal rate cuts lead directly to lower mortgage rates, explaining that these cuts impact the broader economic context, which in turn affects mortgage rates and lending conditions. Variations in these rates play a crucial role in shaping buyer decisions. Ryan advises prospective homebuyers to carefully evaluate their financial health and market conditions before committing to a purchase. Looking forward, he anticipates market trends and advises buyers to monitor these closely, suggesting that strategic timing of purchases can leverage rate changes to their advantage.
Join us on the Best of Raleigh Podcast as we continue to uncover the stories of remarkable individuals like Ryan Darge. These narratives not only inspire but also drive forward the spirit of innovation and community engagement in Raleigh. Be sure to tune into our next episode, where we dive deeper into the stories that shape our vibrant community.
If you haven’t already, make sure to follow us wherever you listen to your podcasts! Stay up to date on ALL things luxury, lifestyle, business, and experiences in Raleigh.
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Privacy Policy
The Real Estate Production Company DBA Blok ("Blok," "we," "us," "our") provides websites, hosting, digital marketing and other technology to our clients ("Clients") in the real estate industry. Our services help real estate professionals enhance their online presence and manage their digital marketing efforts
This Privacy Policy describes how we collect, use, and protect personal information when you visit the websites of our Clients. As a visitor to our Clients' websites ("Sites"), this policy applies to you. Our Clients' branding may be displayed on the Site you are interacting with, but Blok is responsible for providing the underlying technology and services.
If you are a visitor to one of our Clients' Sites, this Privacy Policy applies to you and describes Blok's policies and practices regarding the collection, use, and disclosure of your personal information. Blok provides these services solely as a service provider and data processor, using the personal information collected at the direction of our Clients.
This Privacy Policy does not apply to any websites, applications, or other online services that do not link to this policy, including other services provided by our Clients. Please contact the Client directly to learn about how they use your personal information.
1. Information We Collect
1.1. Information You Provide to Us
Contact Information: We collect contact information that you provide, such as your name, email address, and phone number.
Payment Information: For transactions, we collect payment details, but this information is tokenized and processed securely by our payment provider.
Communications: When you contact us for support or provide feedback, we collect your correspondence.
Other Information: We collect other information not listed here that you may provide to us voluntarily in connection with your interactions with the Client through the Site or Services.
1.2. Information We Collect Automatically
Usage Information: We collect details about your interactions with our Services, such as IP address, browser type, pages viewed, and the time spent on our site.
Cookies and Similar Technologies: We use cookies to remember your preferences and track your activity on our site. For more details, see our Cookie Policy.
1.3. Information from Third Parties
Social Media Information: If you interact with us on social media platforms, we may receive information from those platforms according to their privacy policies.
Other Sources: We may receive information about you from other third parties, such as marketing partners, public databases, or data providers.
2. How We Use Your Information
We use your information to:
Provide, operate, and improve our Services.
Personalize your experience and deliver content relevant to your interests.
Improve our website and Services through data analysis and research.
Provide support, and respond to requests, questions, and feedback.
Provide marketing and advertising Services on behalf of our Clients.
Ensure the security and integrity of our Services.
Comply with legal obligations and resolve disputes.
Send marketing communications, in compliance with the CAN-SPAM Act.
3. How We Share Your Information
We do not sell or share your personal information with third parties for marketing or promotional purposes. We may share your information with:
Service Providers: Companies that help us operate our business, such as hosting services, payment processors, and analytics providers, who are required to keep your information confidential.
Legal Requirements: When required by law, such as to comply with a subpoena or similar legal process.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the new owner.
4. Your Rights Under CCPA
Under the California Consumer Privacy Act (CCPA), California residents have the right to:
Know: Request information about the personal data we collect, use, and share about you over the past 12 months.
Access: Obtain a copy of your personal data.
Delete: Request the deletion of your personal data, subject to certain exceptions.
Opt-Out: Decline the sale of your personal data, though we do not sell personal data.
Non-Discrimination: Not be discriminated against for exercising any of your CCPA rights.
To exercise these rights, please contact us at ccpa@blok.co. We will respond to your request within 45 days.
5. Data Retention
We retain your information as long as necessary to provide our Services and comply with legal obligations. If you request deletion of your data, we will remove it unless we are compelled to retain it for legal reasons.
6. Data Security
We use various security measures to protect your personal information. These include encryption, access controls, and regular security assessments. While we strive to ensure the security of your data, no method of transmission over the Internet or electronic storage is 100% secure.
7. Cookies and Tracking Technologies
We use cookies to enhance your experience on our site. You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of our Services. For more information, please see our Cookie Policy.
8. Do Not Track
We honor Do Not Track (DNT) signals and do not track, plant cookies, or use advertising when a DNT browser mechanism is in place.
9. Third-Party Services
Our site may contain links to third-party websites and services. We are not responsible for the privacy practices or content of these third-party sites. Please review their privacy policies to understand how they collect and use your information.
We use third-party services such as Google Analytics, Google Ads, and Meta Ads (formerly Facebook Ads) to:
Understand and improve the performance of our Services.
Remarket advertising to you on behalf of our Clients.
These services may collect information about your use of our website, including your IP address, browser type, and browsing activities. The data collected by these third parties is used to provide insights into website traffic, user behavior, and marketing effectiveness.
You can learn more about how these third-party services use your data and opt-out of their data collection by visiting their respective privacy policies:
We adhere to FTC requirements regarding text messaging to protect you from unwanted and unlawful texts. This includes blocking texts from illegitimate numbers and providing a point of contact for reporting any issues. For more details on these requirements, please visit the FCC's website.
11. International Data Transfers
Although we do not currently transfer data internationally, we will ensure that any future international data transfers comply with applicable laws and regulations to protect your data.
12. User Rights and Control
In addition to CCPA rights, you may have the right to access, correct, or delete your personal information, object to or restrict processing of your data, and request data portability. Please contact us at legal@blok.co to exercise these rights.
13. Incident Response
In the event of a data breach, we will notify affected users within 72 hours of becoming aware of the breach, as required by applicable laws. We will take immediate steps to mitigate the breach and prevent future incidents.
14. Data Minimization and Accuracy
We are committed to collecting only the personal data that is necessary for the purposes outlined in this policy. We take reasonable steps to ensure the accuracy and completeness of your personal information.
15. Children's Privacy
Our Services are not intended for use by children under 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete it.
16. Email Communications and CAN-SPAM Act
We comply with the CAN-SPAM Act. You can opt-out of receiving our marketing emails by following the instructions at the bottom of each email or by contacting us at optout@blok.co. We will promptly honor your request to be removed from our email lists.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website and updating the effective date. It is your responsibility to review this Privacy Policy periodically.
18. Contact Us
If you have any questions about this Privacy Policy, please contact us at:
Real Estate Production Company DBA Blok
PO 22582
901 Broadway
Nashville, TN 37202
legal@blok.co
DMCA NOTICE
The Coley Group strongly respects copyright protections. We will respond as promptly as possible to any reports of copyright infringement on our primary and supplemental websites, and in any IDX displays and IDX content. The Coley Group works within the guidelines of the US Digital Millennium Copyright Act ("DMCA") to address and rectify any and all reports and instances of copyright infringement.
Infringement Reporting Procedure. To report copyright infringement, please email (preferred), fax, or mail all of the below required information, in written English, to The Coley Group (our contact information follows):
i. Signature (hand-signed or electronic) of the owner, or a person authorized by the owner, of a copyright that is allegedly infringed.
ii. Identification of the original copyrighted work that is allegedly infringed, including website address / URL, location on the webpage, type of material (such as whether it is text, a photo, or both), a description of the work, and any other relevant information, sufficient for The Coley Group to identify it.
iii. Identification of the material in an The Coley Group website or display that is allegedly infringing upon the work from point ii. above, including website address / URL, location on the webpage, type of material (such as whether it is text, a photo, or both), a description of the work, and any other relevant information, sufficient for The Coley Group to identify it.
iv. Statement that the complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
v. Contact information for the complaining Party, including email address, mailing address, and phone number.
vi. Statement that the information in the notification is accurate, and under penalty of perjury, that the complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Copyright Agent Contact. The Coley Group's Copyright Agent contact information is as follows. Email is our preferred method of communication.
The Coley Group, Inc.
Attention: The Coley Group DMCA/Copyright Designated Agent
4350 Lassiter at North Hills Ave #256
(919) 526-0401
gretchen@thecoleygroup.com
Take-Down Procedure. Upon receipt and verification of notice of infringement, The Coley Group will remove the infringing materials, at its sole discretion. To the extent possible, The Coley Group will notify the infringing party in writing after removal. Advance notice of removal is generally not possible.
Termination for Repeat Infringement. The Coley Group reserves the right to terminate access, for any or all of our Software and Services, to any Party, if that Party is found to be repeatedly infringing copyrights.
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Social Cookies are used to enable you to share pages and content you find interesting throughout the website through third-party social networking or other websites (including, potentially for advertising purposes related to social networking).