Montana Family Mortgage (“Montana Family Mortgage,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you visit our website, contact us, request information, apply for or obtain mortgage-related services, or otherwise interact with us.

This Privacy Policy applies to our website and business communications. Customers may also receive a separate federal privacy notice under the Gramm-Leach-Bliley Act (GLBA) and Regulation P. Where applicable, that federal privacy notice governs nonpublic personal information subject to those requirements.

1. Information We Collect

Depending on how you interact with us, we may collect:

• Identifiers and contact information, such as name, mailing address, email address, telephone number, date of birth, government-issued identifiers, and application or account identifiers.
• Mortgage and financial information, such as income, assets, debts, credit history, employment information, property information, loan preferences, transaction information, bank or investment information, insurance information, and documents you provide in connection with a mortgage inquiry or application.
• Verification and underwriting information obtained from authorized sources such as consumer reporting agencies, employers, financial institutions, government databases, lenders, title or settlement providers, appraisers, and insurers.
• Information required or permitted by law, including information collected for fair-lending, Home Mortgage Disclosure Act, licensing, regulatory, or other legal requirements.
• Communications and preferences, including emails, telephone calls, voicemail, appointment information, consent records, opt-out requests, and customer-care interactions.
• Website and device information, such as IP address, browser type, device type, operating system, referring pages, pages viewed, timestamps, cookie identifiers, and similar technical information.
• Other information you voluntarily provide or authorize us to obtain.

2. How We Collect Information

• Directly from you through applications, telephone conversations, meetings, email, website forms, document uploads, and other interactions.
• From mortgage lenders and other parties involved in processing or evaluating a mortgage transaction.
• From authorized sources such as credit bureaus, verification providers, employers, financial institutions, title and settlement providers, appraisers, insurers, government agencies, and other sources permitted by law.
• Through our website and technologies used to operate and secure it.

3. How We Use Information

• Respond to inquiries and provide requested mortgage information and services.
• Process, evaluate, submit, underwrite, close, fund, or otherwise support mortgage transactions.
• Verify identity, income, employment, assets, credit, property, eligibility, and other application information.
• Communicate regarding appointments, requested documents, mortgage applications, loan status, closing, servicing, and customer-care matters.
• Maintain required business and transaction records and administer our business.
• Protect against fraud, identity theft, cybersecurity threats, misuse, and unlawful activity.
• Comply with mortgage, consumer-protection, fair-lending, recordkeeping, licensing, legal, regulatory, audit, and reporting requirements.
• Establish, exercise, or defend legal rights.

4. Disclosure of Information

To provide mortgage services and operate our business, we may disclose non-SMS information when necessary or permitted by law to parties involved in providing or supporting those services, including:

• Mortgage lenders, investors, servicers, mortgage insurers, government-sponsored enterprises, and government loan or guaranty programs.
• Consumer reporting agencies, verification providers, fraud-prevention services, employers, financial institutions, and other authorized sources used to evaluate or document a mortgage request.
• Appraisers, title and settlement providers, attorneys, insurers, real estate professionals, notaries, and other parties involved in a requested mortgage transaction.
• Technology, hosting, cybersecurity, document-management, professional, and other service providers that perform necessary business functions on our behalf.
• Regulators, courts, law-enforcement authorities, auditors, licensing agencies, government bodies, or other parties when required or permitted by law.
• Other parties at your direction or with your authorization.

We do not sell nonpublic personal information. Any disclosure of information subject to GLBA or Regulation P is governed by our applicable federal privacy notice and applicable law.

IMPORTANT SMS EXCLUSION: The disclosures described in this Section 4 do not include mobile phone numbers, SMS message content, text-messaging originator opt-in data, or SMS consent. We do not share, sell, rent, transfer, or disclose mobile phone numbers, SMS message content, SMS opt-in information, or SMS consent to third parties or affiliates for marketing, promotional, or any other purposes.

5. SMS Messaging – Information and Customer Care

Montana Family Mortgage uses text messaging solely for Information and Customer Care communications with individuals who have consented to receive text messages from us. These messages may include responses to customer questions, appointment scheduling or reminders, requests for documents, mortgage application updates, loan-status information, closing-related information, servicing information, and other customer-care communications.

SMS consent may be obtained verbally during a direct conversation with a customer or prospect. Consent to receive text messages is voluntary and is not a condition of obtaining mortgage services or completing a transaction.

Mobile phone numbers, SMS message content, text-messaging originator opt-in data, and SMS consent are private. We do not share, sell, rent, transfer, or disclose this information to third parties or affiliates for marketing, promotional, or any other purposes. SMS consent is specific to Montana Family Mortgage and is not transferred to another business.

Message frequency varies based on your interaction with us and the status of your inquiry or mortgage transaction. Message and data rates may apply.

You may opt out of text messages at any time by replying STOP. After opting out, you will no longer receive SMS messages from Montana Family Mortgage unless you later provide new consent. Reply HELP for assistance or contact us at (406) 668-3724.

Please do not send Social Security numbers, passwords, full financial account numbers, or other highly sensitive information by text. We may direct you to a secure portal or another protected method for transmitting sensitive documents or information.

6. Cookies and Website Technologies

Our website may use cookies and similar technologies to operate the site, remember preferences, understand website usage, improve performance, and protect against misuse. You may adjust your browser settings to limit cookies, although some portions of the website may not function properly.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect customer information and other personal information against unauthorized access, use, alteration, or disclosure. Our safeguards are informed by applicable legal and regulatory requirements, including the FTC Safeguards Rule where applicable. No website, network, transmission, or storage system can be guaranteed completely secure.

8. Data Retention

We retain information for as long as reasonably necessary to provide services, maintain business and transaction records, comply with mortgage, tax, legal, regulatory, licensing, audit, litigation-hold, and record-retention requirements, resolve disputes, enforce agreements, and protect against fraud or security threats. Retention periods vary depending on the type of information and applicable obligations.

9. Your Choices and Requests

• SMS: Reply STOP to any covered text message to opt out. Reply HELP for assistance.
• Email: Use the unsubscribe link in a marketing email or contact us. Transactional or legally required emails may continue.
• Cookies: Adjust your browser settings to limit or block cookies.
• Access, correction, or deletion: You may contact us to request access to, correction of, or deletion of personal information. We will evaluate requests under applicable law and may retain information where required or permitted for mortgage, legal, security, or recordkeeping purposes.
• Credit-report information: Rights concerning consumer reports are governed by the Fair Credit Reporting Act and related laws.

10. State-Specific Privacy Rights

Residents of certain states may have additional rights regarding personal information, subject to applicable exemptions and limitations. Financial institutions and information regulated by GLBA may be wholly or partially exempt from certain state privacy laws. We will respond to verified requests as required by applicable law.

11. Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information online from children under 13. If you believe a child has provided information to us, please contact us so we can review and take appropriate action.

12. Third-Party Websites

Our website may contain links to third-party websites, portals, or services. Their privacy and security practices are governed by their own policies. A link to a third-party website does not change the SMS privacy protections described in this Privacy Policy.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any revised policy will be posted on our website with an updated effective date. Material changes will be communicated as required by applicable law.

14. Contact Us

Questions about this Privacy Policy or our privacy practices may be directed to:

Montana Family Mortgage

2825 Stockyard Road, Suite J5
Missoula, MT 59808

(406) 668-3724 | davek@montanafamilymortgage.com
NMLS #1625135

This document was last updated on 09/17/2026