Effective date: August 17, 2026
Company: Montana Family Mortgage | NMLS #1625135
Contact: 2825 Stockyard Road, Suite J5, Missoula, MT 59808
Phone / Email: (406) 668-3724 | davek@montanafamilymortgage.com

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

This Privacy Policy is a website and communications policy. If you establish a customer relationship with us, you may also receive a separate federal privacy notice under the Gramm-Leach-Bliley Act (GLBA) and Regulation P. That notice describes our sharing of nonpublic personal information and any choices available to you. The GLBA notice controls if it conflicts with this website Privacy Policy regarding information covered by that notice.

1. Information We Collect

Depending on how you interact with us, we may collect the following categories of information:

• Identifiers and contact information: including name, address, email address, telephone number, date of birth, government-issued identifiers, and account or application identifiers.
• Mortgage and financial information: including income, assets, debts, credit history, employment, 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 consumer reporting agencies, employers, financial institutions, government databases, title or settlement providers, appraisers, insurers, and other authorized sources.
• Demographic or legally protected information: that may be requested or collected as required or permitted by fair-lending, Home Mortgage Disclosure Act, or other applicable laws.
• Communications and preferences: including emails, telephone calls, voicemail, text messages, appointment information, consent records, opt-out requests, and customer-service interactions. Calls may be recorded where permitted by law and with any required notice or consent.
• Website and device information: including IP address, browser, device type, operating system, referring pages, pages viewed, timestamps, cookie identifiers, and similar technical or usage information.
• Any other information you voluntarily provide or authorize us to obtain.

2. Sources of Information

• Directly from you: including through website forms, applications, telephone calls, text messages, email, meetings, document uploads, and other communications.
• From service providers and transaction participants: including mortgage lenders, credit bureaus, verification providers, title and settlement companies, appraisers, insurers, real estate professionals, government agencies, and technology providers.
• From cookies, analytics tools, and similar technologies: used when you interact with our website.
• From public records or other sources permitted by law.

3. How We Use Information

• Respond to inquiries and provide requested mortgage information or services.
• Process, evaluate, submit, underwrite, close, fund, service, or otherwise support mortgage transactions.
• Verify identity, income, employment, assets, credit, property, eligibility, and other application information.
• Communicate about appointments, requested documents, application milestones, loan status, closing, servicing, customer support, and other relationship-related matters.
• Send marketing or educational communications where permitted by law and consistent with your choices and consent.
• Maintain records, administer our business, improve services, train personnel, conduct quality control, and troubleshoot technology.
• Protect against fraud, identity theft, cybersecurity threats, misuse, and other unlawful activity.
• Comply with mortgage, consumer-protection, fair-lending, anti-money-laundering, recordkeeping, licensing, legal, regulatory, audit, and reporting obligations.
• Establish, exercise, or defend legal rights and enforce agreements.

4. How We Disclose Information

We may disclose information as necessary or permitted for the purposes described above, including to:

• Mortgage lenders, investors, servicers, warehouse providers, mortgage insurers, government-sponsored enterprises, and government loan or guaranty programs.
• Consumer reporting agencies, fraud-prevention services, verification providers, employers, financial institutions, and other sources used to evaluate or document a mortgage request.
• Appraisers, title and settlement providers, attorneys, insurers, real estate professionals, notaries, document providers, and other parties involved in a requested transaction.
• Technology, hosting, communications, analytics, cybersecurity, document-management, customer-support, professional, and other service providers that perform services on our behalf and are expected to protect the information they receive.
• Regulators, law-enforcement authorities, courts, auditors, licensing agencies, government bodies, or other parties when required or permitted by law.
• A successor or potential successor in connection with a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, subject to applicable confidentiality and legal requirements.
• Other parties at your direction, with your authorization, or as otherwise described when information is collected.

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

5. SMS and Mobile Information Privacy

Mobile phone numbers, SMS consent, and text-message opt-in information will not be sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes.

Text-messaging originator opt-in data and consent will not be shared with any third parties, except with service providers used solely to deliver, route, support, secure, or administer our messaging program, or when disclosure is required by law. Those service providers may use the information only to provide services to Montana Family Mortgage and must handle it consistently with applicable law and contractual obligations.

Text messages may contain limited information about your inquiry, appointments, requested documents, mortgage application, loan status, or customer-service matters. SMS is not guaranteed to be secure. Do not send Social Security numbers, account passwords, full financial account numbers, or other highly sensitive information by text. We may direct you to a secure portal or another protected communication method.

6. Cookies and Analytics

Our website may use cookies, pixels, local storage, analytics, and similar technologies to operate the site, remember preferences, understand usage, improve performance, and protect against misuse. You may adjust browser settings to limit cookies, although portions of the site may not function properly. We do not represent that browser-based global privacy signals apply to information exempt from state privacy laws, but we will process legally recognized signals where required and technically feasible.

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. These measures are informed by applicable law, including the FTC Safeguards Rule where applicable, and include oversight of relevant service providers. 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 based on the type of information and applicable obligations.

9. Your Choices and Requests

• SMS: Reply STOP to a message to opt out. We will honor other reasonable requests to stop covered texts as required by law. 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 as described above.
• 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. Contact the applicable consumer reporting agency regarding its records or dispute process.

10. State-Specific Privacy Rights

Residents of certain states may have additional rights regarding personal information, subject to 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 and may request information needed to verify identity and authority.

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, contact us so we can review and take appropriate action.

12. Third-Party Websites and Services

Our website may link to third-party websites, portals, applications, or services. Their privacy and security practices are governed by their own policies. We encourage you to review those policies before providing information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The revised policy will be posted with a new effective date. Material changes will be communicated as required by applicable law.

14. Contacting us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:

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 08/17/2026