PRIVACY POLICY

Mountain State Financial Group, LLC
NMLS #1314257

Last Updated: August 31, 2026

Mountain State Financial Group, LLC (“MSFG,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy describes the types of information we may collect, how we use and disclose that information, and the steps we take to protect it. This policy applies to information collected through our websites, forms, mortgage-related services, webinars, events, telephone communications, email, SMS/MMS communications, and other interactions with MSFG.

Information We Collect

We may collect personal and nonpublic personal information as necessary to provide mortgage-related services, respond to inquiries, conduct our business, and provide services you request.

Information we may collect includes:

Information you provide to us. This may include your name, mailing address, email address, telephone number, Social Security number, date of birth, employment information, income, assets, liabilities, property information, financial information, and other information you provide through applications, forms, telephone conversations, electronic communications, in-person meetings, or our websites.

Information about your transactions. We may collect information regarding transactions with us or others, including account balances, payment histories, loan information, account activity, and other financial information.

Information from consumer reporting agencies. We may obtain credit reports, credit scores, credit histories, and other information concerning your creditworthiness where authorized and permitted by law.

Information from third parties. We may obtain information from employers, financial institutions, government agencies, service providers, and other parties for purposes such as verifying employment, income, assets, deposits, insurance, property information, identity, or other information you have provided to us.

Information collected through our websites. When you use our websites or online services, we may collect information such as your IP address, browser type, device information, pages visited, referring website, and other technical or usage information. We may use cookies, pixels, analytics tools, and similar technologies to operate our websites, measure performance, understand usage, and improve our services.

How We Use Your Information

We may use information we collect to:

Respond to inquiries and requests.

Process and evaluate mortgage applications and transactions.

Verify information provided to us.

Provide mortgage-related products and services.

Communicate regarding applications, loans, appointments, webinars, events, and requested services.

Provide registration confirmations, reminders, and access information for webinars or events.

Provide customer service and support.

Send communications you have requested or consented to receive.

Maintain and improve our websites, technology, and services.

Detect and prevent fraud, unauthorized activity, and security threats.

Comply with applicable federal, state, and local laws, regulations, legal processes, and regulatory requirements.

Protect our legal rights and the rights of our customers and others.

Information We Disclose

We do not sell your nonpublic personal information.

We may disclose personal information when reasonably necessary to provide services you have requested or to conduct mortgage-related transactions.

This may include disclosure to lenders, investors, mortgage service providers, credit reporting agencies, verification providers, title and settlement companies, appraisal providers, insurance providers, government agencies, technology providers, professional advisers, and other parties involved in providing or supporting mortgage-related services.

We may also disclose information to vendors and service providers that perform services on our behalf, subject to appropriate confidentiality, security, and data-protection requirements.

Information may also be disclosed when required or permitted by law, regulation, subpoena, court order, governmental request, or other legal process, or when reasonably necessary to protect MSFG, our customers, or others.

SMS and Mobile Communications

If you provide your mobile telephone number and expressly consent to receive SMS/MMS communications from Mountain State Financial Group, LLC, we may use your mobile number to send communications you have requested or consented to receive.

These communications may include:

Webinar and event registration confirmations.

Webinar and event reminders.

Webinar access information and links.

Appointment confirmations and reminders.

Customer service communications.

Responses to inquiries.

Mortgage-related information you have requested.

Other communications you have specifically consented to receive.

Message frequency varies. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you may receive a final message confirming your opt-out request.

For assistance, reply HELP or contact us using the information provided below.

Consent to receive SMS/MMS communications is not a condition of purchasing any property, goods, or services or obtaining a mortgage loan.

Wireless carriers are not liable for delayed or undelivered messages.

Mobile Information and SMS Consent

Mobile information will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

SMS opt-in data and consent will not be shared with third parties or affiliates for marketing or promotional purposes.

We may share information with service providers acting on our behalf when necessary to deliver communications or services you have requested, subject to appropriate confidentiality and data-protection requirements.

For additional information regarding our SMS communications, please review our Terms & Conditions.

Email Communications

If you provide your email address, we may use it to respond to inquiries, provide information you requested, communicate regarding mortgage services, send appointment or webinar information, and provide other communications permitted by law.

Where applicable, marketing emails will include an option to unsubscribe from future marketing communications.

Unsubscribing from marketing communications does not necessarily prevent us from sending transactional or service-related communications regarding an existing inquiry, application, transaction, appointment, or other service you have requested.

Cookies and Online Technologies

Our websites may use cookies, pixels, analytics tools, and similar technologies to provide website functionality, understand how visitors use our websites, measure advertising effectiveness, improve our services, and provide relevant communications.

Some of these technologies may be provided by third-party service providers.

You may be able to control certain cookies through your browser or device settings. Disabling cookies may affect the functionality of certain portions of our websites.

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

Access to nonpublic personal information is limited to employees, contractors, service providers, and other authorized parties who require access to perform legitimate business functions.

No method of electronic transmission or storage can be guaranteed to be completely secure. We therefore cannot guarantee the absolute security of information transmitted electronically.

Data Retention

We retain personal information for as long as reasonably necessary to provide requested services, complete transactions, comply with legal and regulatory requirements, maintain appropriate business and financial records, resolve disputes, enforce agreements, and protect our legal rights.

Retention periods may vary depending on the type of information and applicable legal or regulatory requirements.

Third-Party Websites and Services

Our websites and communications may contain links to websites or services operated by third parties.

MSFG is not responsible for the privacy practices, security, content, or policies of third-party websites or services. We encourage you to review the privacy policies of any third-party websites or services you use.

Your Privacy Choices

You may contact us to request that we update or correct certain contact information we maintain about you, subject to applicable legal and regulatory requirements.

You may opt out of:

SMS communications: Reply STOP to a text message.

Email marketing: Use the unsubscribe link contained in an applicable marketing email.

Certain transactional, servicing, compliance, or other legally required communications may continue where permitted or required by law.

Children’s Privacy

Our websites and mortgage services are not directed to children under the age of 13, and we do not knowingly collect personal information online from children under 13.

If we learn that personal information from a child under 13 has been collected through our website without appropriate authorization, we will take reasonable steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, services, or applicable legal requirements.

Any changes will be posted on this page with an updated “Last Updated” date.

Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Mountain State Financial Group, LLC
NMLS #1314257

Email: [email protected]
Website: msfg.us

For SMS assistance, reply HELP to the message you received. To stop SMS communications, reply STOP.