1. What Information We Collect

We collect the following categories of personal information when you use our website, submit forms, or interact with our services:

• Contact Information: First name, last name, email address, mobile phone number
• Loan & Financial Information: Details you provide during the mortgage inquiry or application process
• Device & Usage Data: IP address, browser type, operating system, pages visited, time on page, and referring URLs
• Communication Preferences: Your SMS opt-in or opt-out status and consent records
• Cookie & Tracking Data: Data collected through cookies, pixels, and similar tracking technologies (see Section 5)

We collect this information when you submit a form, contact us, apply for a loan, or browse our website.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To process mortgage inquiries, applications, and loan transactions
• To send transactional SMS messages related to your loan (status updates, reminders, document requests)
• To send marketing or promotional SMS messages if you have separately opted in
• To respond to your questions and provide customer support
• To improve our website, tools, and services
• To comply with legal and regulatory obligations
• To send email communications you have requested or consented to
• To analyze website traffic and user behavior for internal business purposes

3. SMS Opt-In & Mobile Communications

By checking the transactional consent box on our opt-in form, you agree to receive service-related text messages from Premiere Processing LLC, including:

• Loan application status updates
• Document request notifications
• Appointment and closing reminders
• Rate lock and expiration alerts
• Account and service notifications

By separately checking the optional marketing consent box, you agree to receive promotional text messages from Premiere Processing LLC, including mortgage tips, rate alerts, and special offers.

Message frequency varies. Message & data rates may apply.

To opt out: Reply STOP to any SMS message at any time. You will receive one final confirmation, then no further messages will be sent. To re-subscribe, contact us or re-submit the opt-in form.

For help: Reply HELP to any message or contact us at michaelswolff.com.

4. How We Share Your Information

We do not sell your personal information. We may share information with:

• SMS Delivery Providers: Third-party carriers and messaging platforms used solely to deliver the SMS messages you consented to receive
• Mortgage Partners & Lenders: As required to process your loan application
• Service Providers: Vendors who assist with website hosting, analytics, email delivery, and CRM operations — all under confidentiality obligations
• Legal & Regulatory Authorities: When required by law, court order, or government request

We do not share, rent, or sell your mobile phone number or SMS consent data to any third party for their own marketing purposes.

5. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to improve your experience and gather usage analytics. Types of cookies we use include:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics)
• Marketing Cookies: Used to deliver relevant ads and track campaign performance (e.g., Google Ads, Meta Pixel)

You may control cookie preferences through your browser settings. Disabling certain cookies may limit the functionality of our website. We do not respond to Do Not Track signals at this time.

6. Data Security & Handling

We take reasonable and appropriate technical and administrative measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (SSL/HTTPS), access controls, and secure data storage practices.

However, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security and encourage you to contact us immediately if you suspect any unauthorized access to your information.

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal retention requirements
• Opt-Out of SMS: Reply STOP to any text message at any time
• Opt-Out of Marketing: Unsubscribe from marketing emails at any time using the link in the email footer
• Data Portability: Request your data in a portable format where technically feasible

To exercise any of these rights, contact us at michaelswolff.com. We will respond within a reasonable timeframe in accordance with applicable law.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party site you visit.

9. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

11. Contact Us

If you have questions, requests, or concerns about this Privacy Policy or how your information is handled, please contact us: