SMS Privacy Policy

01. About This Policy

This page explains how Mortgage Scope Financial Corp ("Mortgage Scope Financial," "we," "us") handles your mobile phone number and your consent to receive text messages. It is part of our Privacy Policy. The rules for the texting program itself are in our SMS Terms and Conditions.

02. Information We Collect

When you opt in to text messages on our website, booking page, or forms, we collect:

• Your mobile phone number and your name
• The date and time you opted in
• The web page and the consent wording you agreed to
• Your IP address
• The text messages we send to you and receive from you

03. How We Use It

We use this information only to send you the text messages you asked for, to reply to you, to honor opt-out requests, and to keep the records the law requires. Depending on what you agreed to, these messages may include appointment confirmations and reminders, follow-up about your mortgage inquiry, and loan updates. If you checked the optional marketing box, they may also include mortgage tips, event invitations, and offers.

04. We Never Share, Sell, or Rent Your Mobile Number

Your mobile phone number and your SMS opt-in data and consent are never shared, sold, or rented to third parties or affiliates for marketing or promotional purposes. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All of the categories of sharing described anywhere in our Privacy Policy exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.

05. Service Providers

The texting platforms and phone carriers that deliver our messages handle your mobile number only to send and receive our messages on our behalf. They are not permitted to use it for their own marketing or for anyone else's.

06. Message Frequency and Costs

Message frequency varies. Message and data rates may apply. We do not charge you for texts.

07. How to Opt Out and Get Help

Reply STOP to any text from us to stop receiving texts. You can also reply STOPALL, OPTOUT, QUIT, END, REVOKE, CANCEL, or UNSUBSCRIBE. Any other reasonable way of telling us also works, such as "please stop texting me" or "opt me out," whether you text us, call (954) 465-6396, or email jrod@mtgscope.com. An opt-out applies to every texting number Mortgage Scope Financial uses, not only the number you replied to.

We act on opt-outs promptly and always within 10 business days. You will receive one text confirming your opt-out, and no further texts unless you opt in again.

Reply HELP to any text for help.

08. Consent Is Not a Condition

Your consent to receive text messages is not a condition of any loan, purchase, application, or service. You can book a call or work with us without agreeing to texts.

09. Sensitive Information

We will not ask you to send, and we will not send you, Social Security numbers, account numbers, income or bank details, credit information, or document images by text. We will send a link to a secure portal instead.

10. Record Keeping

We keep records of your consent and any opt-out request for at least 5 years, or longer if the law requires, so we can show that we honored your choices.

11. Age

Our text messaging program is intended for adults 18 or older.

12. How This Fits With Our Privacy Policy

Information you give us while asking about a mortgage is nonpublic personal information under the federal Gramm-Leach-Bliley Act. Our Privacy Policy and its privacy notice explain how we collect, use, share, and protect that information, and they apply to your texting information too. This page adds stronger promises about your mobile number and text consent. If the two ever differ, the stronger protection for your mobile number and text consent applies.

If you apply for a loan, we may give your contact details, including your phone number, to the lenders and settlement providers you authorize so they can process your application, as described in the Privacy Policy. That is not marketing, and your text opt-in record is not part of it.

13. Security and Your Rights

We use reasonable administrative, technical, and physical safeguards to protect your information, including text messaging records. If a data breach affects your information, we will notify you as required by Florida and federal law. Florida residents can ask to see, correct, or delete their personal data, subject to our legal record-keeping duties, as explained in the Privacy Policy. Email jrod@mtgscope.com to make a request. If you live outside Florida, your state may give you additional rights.

14. Licensing and Identification