Terms & Conditions

Mountain State Financial Group, LLC
NMLS #1314257

Last Updated: August 31, 2026

These Terms & Conditions (“Terms”) govern your use of websites, forms, webinars, communications, and other services provided by Mountain State Financial Group, LLC (“MSFG,” “we,” “us,” or “our”).

By using our website, submitting information through a form, registering for a webinar or event, requesting information, or otherwise interacting with MSFG, you agree to these Terms.

Mortgage Information and Services

Information provided by MSFG through our websites, webinars, emails, text messages, advertisements, calculators, educational materials, and other communications is provided for general informational and educational purposes.

Mortgage loan programs, interest rates, terms, fees, eligibility requirements, down-payment requirements, and availability are subject to change without notice and may vary based on individual borrower circumstances, property characteristics, market conditions, investor requirements, and applicable law.

Nothing on our websites, in a webinar, advertisement, email, text message, or other communication constitutes a commitment to lend, loan approval, rate lock, or guarantee of financing.

All mortgage applications and loans are subject to applicable underwriting requirements, verification, approval, and execution of required loan documentation.

Webinar and Event Registration

When you register for an MSFG webinar, seminar, class, consultation, or other event, you authorize MSFG to use the contact information you provide to administer your registration and communicate with you about the event.

These communications may include registration confirmations, scheduling information, reminders, event access instructions, changes or cancellations, follow-up information, and responses to questions or requests.

Registration for an educational event does not constitute an application for mortgage credit or an obligation to use MSFG for mortgage services.

SMS/Text Messaging Terms

When you voluntarily provide your mobile telephone number and expressly opt in to receive text messages from Mountain State Financial Group, LLC, you consent to receive SMS/MMS communications related to the purpose for which you provided your information.

Messages may include webinar or event registration confirmations, appointment confirmations, reminders, scheduling information, webinar access information, customer-service communications, requested mortgage information, and other communications you have 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 messages 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

We respect the privacy of information provided in connection with SMS communications.

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.

Information may be shared with service providers acting on our behalf when necessary to provide communications or services requested by you, subject to appropriate confidentiality and data-protection requirements.

For additional information about how we collect, use, and protect personal information, please review our Privacy Policy.

Email Communications

If you provide your email address, MSFG may use it to provide information you requested, registration confirmations, appointment information, educational information, service-related communications, and other communications permitted by applicable law.

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

Electronic Communications

By communicating with MSFG electronically, you acknowledge that electronic communications may include email, SMS/MMS, website forms, webinar communications, and other electronic methods.

You are responsible for providing accurate and current contact information.

Delivery of electronic communications cannot be guaranteed and may be affected by your internet provider, wireless carrier, email provider, device, spam filtering, network availability, or other circumstances outside MSFG’s control.

Website Use

You agree to use MSFG websites and online services only for lawful purposes.

You may not attempt to interfere with the operation or security of our websites, gain unauthorized access to systems or information, introduce malicious software, impersonate another person, or use our websites or services in violation of applicable law.

Third-Party Services and Links

Our websites and communications may contain links to or utilize services provided by third parties, including technology providers, scheduling platforms, webinar providers, mortgage-related service providers, and other websites.

MSFG is not responsible for the content, availability, privacy practices, or terms of third-party websites or services. Your use of third-party services may be subject to separate terms and privacy policies.

Intellectual Property

Unless otherwise stated, content provided through MSFG websites and educational materials, including text, graphics, logos, videos, presentations, and other materials, is owned by or licensed to Mountain State Financial Group, LLC and is protected by applicable intellectual-property laws.

Content may not be reproduced, distributed, or commercially exploited without permission except as permitted by law.

No Warranty

MSFG makes reasonable efforts to provide accurate and current information. However, information may change, and we do not warrant that all website or educational content will always be complete, current, or error-free.

Nothing contained on our websites should be considered financial, legal, tax, or investment advice. Consumers should consult appropriate professionals regarding their individual circumstances.

Privacy

Your use of our websites and services is also subject to our Privacy Policy.

Personal information is handled in accordance with applicable privacy requirements and the practices described in that policy.

Changes to These Terms

MSFG may update these Terms periodically to reflect changes in our services, technology, business practices, or legal requirements.

Updates will be posted on this page with a revised “Last Updated” date. Continued use of our websites or services after changes become effective constitutes acceptance of the revised Terms where permitted by law.

Contact Us

Questions regarding these Terms or MSFG communications may be directed to:

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.