Privacy Policy

1. Information We Collect

Standard Florida Mortgage ("we", "us", "our") collects information you provide directly to us when you use our website, apply for a mortgage, or communicate with us via phone, text message, email, or our online forms. This includes:

• Personal Identifiers: Full name, date of birth, Social Security Number, driver's license number
• Contact Information: Phone number (mobile and landline), email address, mailing address, property address
• Financial Information: Employment history, income, assets, debts, credit information, bank account details
• Loan Information: Loan type, loan amount, property details, transaction details
• Communication Data: Records of text messages, phone calls, emails, and form submissions
• Usage Data: IP address, browser type, pages visited, time spent on our site, cookies

2. How We Use Your Information

We use your information for the following purposes:

• To process mortgage applications and pre-approvals
• To verify your identity and creditworthiness (including credit pulls with your consent)
• To communicate with you about your loan, including via SMS text messaging, phone calls, and email
• To provide loan estimates, rate quotes, and closing disclosures
• To service your loan and manage your account
• To comply with federal and state laws, including the Telephone Consumer Protection Act (TCPA)
• To improve our services, website, and customer experience
• To send marketing communications (only with your express consent)

3. SMS Text Messaging

Opt-In Consent

By providing your mobile phone number and checking the SMS opt-in box on our forms, you expressly consent to receive text messages from Standard Florida Mortgage at the number you provided. Message frequency varies. Standard message and data rates may apply.

Types of Messages

• Loan status updates and closing reminders
• Document requests and missing information alerts
• Rate updates and promotional offers (marketing messages only with consent)
• Appointment reminders and follow-ups

Opt-Out Instructions

You may opt out of receiving text messages at any time by:

• Replying STOP to any text message you receive from us
• Texting STOP to our office number: 561-316-4440
• Contacting us at info@standard-fl.com with the subject "Opt Out of SMS"
• Calling us at 561-316-4440 and requesting to be removed from our text list

After opting out, you will receive one final confirmation text. Processing may take up to 24 hours. You may still receive non-marketing transactional messages (e.g., loan closing notices) as required by law.

Help and Support

Reply HELP to any text message for assistance, or call us at 561-316-4440.

4. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Credit bureaus, verifiers, title companies, appraisers, and other vendors involved in your loan process
• Investors and Lenders: Parties who may purchase or service your loan
• Legal Compliance: When required by law, court order, or regulatory authority
• Business Partners: Real estate professionals or referral partners, only with your consent

We do not sell your personal information to third parties.

5. Data Security

We implement industry-standard security measures to protect your information, including SSL encryption on our website, secure servers, restricted access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience, analyze site traffic, and remember your preferences. You may disable cookies in your browser settings, but some features may not function properly.

7. Your Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of the sale or sharing of your personal information
• Withdraw consent for SMS text messaging at any time (see Section 3)

To exercise these rights, contact us using the information below.

8. Children's Privacy

Our website and services are not directed to individuals under 18. We do not knowingly collect information from children. If you believe a child has provided us information, contact us and we will delete it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated version on this page and update the "Last Updated" date. We encourage you to review this page periodically.

Last Updated: June 26, 2026