Privacy Policy

1. Information We Collect

We collect information you provide directly to us, information collected automatically when you use our website, and information we receive from third parties in connection with a loan application or transaction.

• Identification and contact information: name, address, email address, telephone number(s), and date of birth.
• Financial information: employment, income, assets, liabilities, debts, Social Security Number, and credit history.
• Property information: property address, estimated value, loan amount, and transaction details.
• Application and transaction data: information you submit through our online application portal, rate-quote tools, calculators, and lead forms.
• Communications: the content of messages, emails, text messages, and phone calls you exchange with us.
• Usage and device data: IP address, browser type, operating system, pages viewed, referring URLs, and other data collected through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect to:

• Process, underwrite, and service your mortgage loan application and any related transaction.
• Verify your identity and evaluate your creditworthiness, income, and assets.
• Communicate with you about your application, loan terms, rates, closing, and account.
• Provide rate quotes, loan estimates, and personalized product recommendations.
• Respond to your inquiries, requests, and customer-service needs.
• Comply with applicable federal and state laws, including consumer-protection and anti-money-laundering requirements.
• Detect, prevent, and respond to fraud, security incidents, and other prohibited or illegal activity.
• Improve our website, products, services, and customer experience.

3. Text Messaging (SMS) and A2P 10DLC Consent

With your consent, we may send you text messages (SMS and MMS) to the mobile number(s) you provide to us. These messages are sent using an Application-to-Person (A2P) messaging service and are subject to the A2P 10DLC (10-Digit Long Code) framework administered by U.S. mobile carriers.

By providing your mobile number and checking any consent box or otherwise opting in, you authorize Jay Dacey Mortgage Team, Inc. and our authorized service providers to send you text messages — including automated and pre-recorded messages — regarding your loan application, appointment reminders, rate updates, status notifications, and related mortgage information. Message frequency varies. Standard message and data rates charged by your mobile carrier may apply.

You may cancel text-message communications at any time by replying STOP to any message we send. To request help or more information, reply HELP. If you opt out, we may still send you important non-marketing transactional or account-related messages that are not subject to opt-out where required by law.

We will not sell or rent your mobile number to third parties for their independent marketing use. We share your mobile number only with service providers who help us send messages on our behalf and only as described in this policy.

You represent that you are the owner or authorized user of the mobile number you provide and that you are at least 18 years of age. You are responsible for notifying us of any change to your mobile number. Please do not provide a number that does not belong to you.

4. Telephone Consumer Protection Act (TCPA) Consent

By providing your telephone number(s) — including a mobile number — you consent to receive calls and text messages from Jay Dacey Mortgage Team, Inc. and our affiliates, partners, and authorized service providers using an automatic telephone dialing system or an artificial or prerecorded voice, even if your number is listed on any state, federal, or corporate Do-Not-Call list. This consent applies to calls and texts regarding your loan inquiry, application, and related mortgage services.

You are not required to provide this consent as a condition of purchasing any property, goods, or services from us. You may revoke this consent at any time by notifying us in writing or by following the opt-out instructions in any message you receive.

5. How We Share Your Information

We do not sell your personal information to third parties. We may share your information with the following categories of recipients, and only as necessary to provide our services or as required by law:

• Lenders, investors, and loan servicers who participate in originating, purchasing, or servicing your loan.
• Credit reporting agencies and verification services used to confirm your identity, income, employment, and credit.
• Service providers and vendors who perform functions on our behalf (for example, technology, hosting, analytics, marketing, and communications providers), subject to confidentiality obligations.
• Title companies, appraisers, attorneys, and settlement agents involved in your transaction.
• Government agencies, regulators, and law enforcement when required by law or to protect our legal rights.
• Affiliates and business partners for the purpose of offering related financial products and services, where permitted.

6. Mortgage and Financial Privacy Disclosures

As a mortgage professional, we are subject to federal and state laws governing the privacy and security of consumer financial information, including the Gramm-Leach-Bliley Act (GLBA) and its Safeguards Rule. We maintain administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and security of your nonpublic personal information.

We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, source of income, or any other basis prohibited by applicable law.

Jay Dacey Mortgage Team, Inc. is licensed under the following: Jay Dacey, NMLS #375033 | Jay Dacey Mortgage Team, Inc. NMLS ID #1812066 | FL: MBR5262 | MN: MN-MO-1812066 | WI: 1812066BR & 1812066BA | ND: ML105045. Our NMLS Company ID is 1812066. You may verify our licensing through the NMLS Consumer Access website.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

7. Cookies and Similar Technologies

Our website uses cookies, web beacons, and similar technologies to operate the site, remember your preferences, analyze traffic, and improve your experience. You can control or delete cookies through your browser settings, but disabling cookies may limit some features of the site.

We may use third-party analytics and advertising tools that set their own cookies to understand how visitors use our site and to deliver relevant content. These third parties may use information about your visits to this and other websites to provide measurement services and targeted ads.

8. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Loan-application records and related documentation may be retained for the period required by applicable federal and state law, which can extend for several years after a loan is closed or an application is withdrawn.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, use, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

10. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information, including the right to know what personal information we have collected about you, the right to request deletion of your personal information, the right to correct inaccurate information, and the right to opt out of the sale or sharing of your personal information for targeted advertising.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request in accordance with applicable law. We will not discriminate against you for exercising your privacy rights.

11. Children's Privacy

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can delete it.

12. Third-Party Links and Embedded Tools

Our website may contain links to third-party websites and may embed third-party tools (such as rate widgets, calculators, and scheduling tools). We do not control these third parties and are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit or tools you use.

13. Do Not Track Signals

Some browsers offer a 'Do Not Track' signal. Because there is currently no industry consensus on how to interpret these signals, we do not currently respond to them. We will update this policy if standards change.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the 'last updated' date at the top of this page. We encourage you to review this policy periodically. Material changes will be posted on this page and, where appropriate, notified to you through other means.

15. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

• Jay Dacey Mortgage Team, Inc.
• 2862 Middle Street, Little Canada, MN 55117
• Phone: 651-315-7681
• Email: Jay@JayDacey.com
• NMLS ID #1812066