1. Introduction

MSB Home Loans Inc. (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit msbhomeloans.com, contact us, submit an inquiry, apply for mortgage-related services, or choose to receive communications from us, including text messages.

By using our website or services, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect information you voluntarily provide to us, including:

Contact Information: name, phone number, email address, mailing address
Inquiry Information: information you submit through website forms, appointment requests, consultation requests, or other communications
Mortgage-Related Information: information related to your interest in mortgage, refinance, home purchase, prequalification, or related loan origination services
Communication Preferences: your preferences regarding phone calls, emails, and text messages
Technical Information: IP address, browser type, device information, pages visited, and other website usage data collected through cookies or analytics tools

3. How We Use Your Information

We may use your information to:

Respond to your inquiries and provide information about our mortgage and loan origination services
Contact you regarding appointments, consultations, application updates, and service-related communications
Process and maintain records relating to your request for services
Improve our website, services, and user experience
Comply with applicable legal, regulatory, licensing, and recordkeeping obligations
Send text messages and other communications you have consented to receive

4. SMS / Text Messaging

If you provide your mobile phone number and consent to receive text messages from us, we may send you text messages regarding your inquiries, appointments, application updates, account or service notifications, and other communications related to the services you requested.

SMS consent and mobile opt-in data are never shared with third parties or affiliates for marketing or promotional purposes.

You may opt out of receiving text messages at any time by replying STOP to any text message from us. For assistance, reply HELP or contact us at:

(352) 577-0991
matt@msbhomeloans.com

Message frequency may vary. Message and data rates may apply.

5. How We Share Your Information

We do not sell your personal information. We may share your information only as reasonably necessary for business operations and as permitted by law, including with:

Service providers that help us operate our website, CRM, communications systems, hosting, or analytics
Professional advisors, auditors, regulators, or legal authorities when required or appropriate
Parties involved in business transfers, mergers, acquisitions, or similar transactions

We do not share mobile opt-in data or SMS consent with any third party for marketing or promotional purposes, under any circumstances.

6. Cookies and Tracking Technologies

Our website may use cookies, pixels, analytics tools, and similar technologies to improve site functionality and understand user activity. You may adjust your browser settings to refuse cookies, though some site features may not function properly.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, or disclosure. However, no method of transmission over the internet or electronic storage is guaranteed to be completely secure.

8. Data Retention

We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide services, comply with legal obligations, resolve disputes, and enforce agreements.

9. Your Choices

You may contact us at any time to request updates to your contact information, opt out of certain communications, or ask questions about how your information is used. You may unsubscribe from marketing emails by using the unsubscribe link in any email. You may opt out of text messages by replying STOP.

10. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or security of those third parties. We encourage you to review their privacy policies separately.

11. Children’s Privacy

Our website and services are not directed to anyone under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will take steps to remove it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes your acceptance of the revised policy.

13. Contact Information

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

MSB Home Loans Inc.
17 Tall Marigolds Ct, Homosassa, FL 34446
(352) 577-0991
matt@msbhomeloans.com
Company NMLS #2166082 | Individual NMLS #140807