Privacy Policy

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 Effective Date: 2/5/2025

1. Introduction

MSP Mortgage LLC ("we," "us," "our") is dedicated to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information through our website (mspmortgage.com) and SMS communications. Our practices are designed to comply with applicable privacy laws, including those related to A2P 10DLC and TCR for SMS messaging, to ensure a secure and transparent experience for our users.

2. Information We Collect

We collect various types of information to provide and improve our services:

• Website Information:

    •Personal Identifiers: We collect personal identifiers such as your name, email address, and phone number when you voluntarily provide them through forms on our website.

    •Usage Data: We gather data related to your website interactions, including IP addresses, browser type, operating system, referring URLs, and pages viewed. This information is collected through cookies and similar tracking technologies to analyze website traffic, optimize user experience, and understand user behavior. We use cookies to analyze website traffic and optimize your experience.

•SMS Communications Information:

    •Mobile Number: Your mobile number is collected when you opt-in to receive SMS messages from us.

    •Opt-in/Opt-out Status: We record your consent status, including when you opt-in and opt-out of SMS communications.

    •Message Content: The content of messages sent to and from you is collected to facilitate communication and provide requested services.

    •Metadata: We collect metadata associated with SMS messages, such as timestamps, delivery status, and message segments, for operational and compliance purposes.

3. How We Use Your Information

We use the collected information for the following purposes:

•Service Delivery: To provide loan-related services, process applications, and offer comprehensive customer support.

•SMS Communication: To send you SMS alerts, notifications, marketing messages, and reminders, but only if you have explicitly opted in to receive such communications. This includes updates on your application status, important service announcements, and promotional offers.

•Service Improvement: To analyze website and SMS usage patterns, identify areas for improvement, and enhance the overall quality and functionality of our services.

•Legal and Regulatory Compliance: To fulfill our legal and regulatory obligations, including compliance with A2P 10DLC, TCR, and TCPA guidelines.

4. SMS Privacy & A2P 10DLC/TCR Compliance

Our SMS messaging practices are designed with strict adherence to A2P 10DLC and TCR requirements to ensure transparency, consent, and user control. We are committed to protecting your mobile privacy.

•No Sharing of SMS Consent/Data for Marketing: We want to be unequivocally clear: We do not sell, rent, or share your mobile number, SMS opt-in status, or any related SMS data with third parties for their independent marketing or promotional purposes. This policy is fundamental to our commitment to your privacy and is a core component of our 10DLC compliance strategy. Your consent for SMS communications is solely for our use in providing you with relevant information and services.

•Explicit Consent and Opt-In Process: Your consent to receive SMS messages is paramount. We ensure that consent is obtained explicitly and recorded prior to sending any messages. This process typically involves a clear call to action, such as texting a keyword to a short code or checking a consent box on our website, followed by a confirmation message. All message interactions strictly adhere to TCPA, 10DLC, and TCR guidelines.

•Clear Opt-Out Instructions: You have the right to opt out of SMS communications at any time. To stop receiving messages, simply reply STOP to any message you receive from us. Upon receiving your STOP request, we will send a final confirmation message acknowledging your opt-out, and you will no longer receive further SMS messages from that program unless you later choose to opt back in. For assistance, you may reply HELP to any message. Standard message and data rates may apply to messages sent and received.

•Sender Identification: In compliance with A2P 10DLC requirements, we will clearly identify MSP Mortgage LLC as the sender in the first message of any SMS campaign to ensure you know who is communicating with you.

•Message Frequency: Message frequency may vary depending on the type of service or campaign you have opted into. We strive to send messages only when necessary and relevant to your engagement with our services. Details regarding expected message frequency will be provided at the point of opt-in.

5. Third-Party Sharing

We share your personal information with third parties only when necessary to provide our services, operate our business, or comply with legal obligations. These third parties may include:

•Service Providers: Such as analytics providers (e.g., Google Analytics), SMS platform providers, and security services (e.g., Google reCAPTCHA) who assist us in operating our website and delivering SMS communications. These providers are contractually obligated to protect your information and use it only for the purposes for which we disclose it to them. 

•Legal and Regulatory Authorities: When required by law, subpoena, or other legal process, or if we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.Crucially, we reiterate that we do not share SMS consent data or any personal data collected via SMS for third-party marketing purposes.

6. Data Security and Retention

We implement robust technical and organizational safeguards to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include encryption, access controls, and secure data storage practices. While we strive to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

SMS and message data are retained for legal, regulatory, and service-related purposes. We retain this data for a period of up to [insert duration, e.g., 2 years], or longer if required to comply with legal obligations, resolve disputes, or enforce our agreements.

7. Your Rights

You have certain rights regarding your personal information:

•Access and Correction: You may request access to the personal information we hold about you and request corrections to any inaccuracies.

•Deletion: You may request the deletion of your personal information, subject to certain legal exceptions.

•SMS Opt-Out: As detailed in Section 4, you can opt out of SMS messages at any time by replying STOP. Opting out will halt further SMS messages unless you later opt back in.To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

8. Children’s Privacy

Our website and services are not intended for or directed at children under the age of 16. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected personal information from a child under 16, we will take steps to delete such information as soon as possible.

9. Policy Changes

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Any revisions will be posted on this page with a new "Effective Date." We encourage you to review this policy regularly to stay informed about how we are protecting your information.

10. Contact Us

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

MSP Mortgage LLC

Address: 7401 Metro Blvd, Suite 500, Edina, MN 55439 

Email: stacy@mspmortgage.com

Phone: 612-685-3722