Privacy Policy

Effective Date: August 12, 2026

Lunar Mortgage Team ("Lunar Mortgage Team," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains what information we collect, how we use it, how we protect it, how text messaging works, and the choices you have regarding your information.

This Privacy Policy applies to information collected through our website, online forms, telephone communications, email, text messaging, and other interactions with Lunar Mortgage Team.

By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

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

• Name
• Mailing address
• Email address
• Telephone and mobile phone numbers
• Information about your mortgage or financing needs
• Employment and income information
• Property information
• Information submitted through mortgage inquiry, contact, or application forms
• Information you provide when communicating with us by telephone, email, text message, or other methods
• SMS/text messaging opt-in and consent information
• Records of your communication preferences, including opt-in and opt-out requests

We may also automatically collect certain technical information when you visit our website, including:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Referring website
• Date and time of visits
• General website usage information

We do not intentionally collect sensitive personal information through our website unless you voluntarily provide such information as part of a mortgage-related inquiry or transaction.

2. How We Use Information

We may use information we collect to:

• Respond to inquiries and requests for information
• Contact you regarding mortgage products and services
• Evaluate and assist with mortgage financing inquiries
• Communicate with you about your mortgage application or transaction
• Schedule appointments and consultations
• Provide customer service
• Send requested information and documents
• Provide account, transaction, appointment, and service-related notifications
• Send text messages and other communications when you have provided the appropriate consent
• Send marketing communications when you have separately consented to receive them
• Improve our website, services, and customer experience
• Maintain records of communications and consent
• Detect, prevent, and address fraud, security issues, and unauthorized activity
• Comply with applicable laws, regulations, legal processes, and regulatory requirements

We do not use SMS opt-in information for purposes unrelated to the messaging program for which you provided consent.

3. SMS and Text Messaging

Lunar Mortgage Team may use text messaging to communicate with individuals who have provided appropriate consent.

Depending on the consent you provide, text messages may include:

• Mortgage inquiry follow-up
• Loan process updates
• Appointment reminders
• Requests for information or documents
• Customer service communications
• Transaction-related notifications
• Mortgage rate or product information
• Educational information
• Promotional or marketing messages

Marketing and non-marketing/service-related text messaging may use separate consent options. Providing consent to receive marketing text messages is not required to request information, submit an inquiry, or purchase any goods or services.

SMS Opt-In

You may opt in to receive text messages by completing an online form, checking an SMS consent checkbox, submitting a request through another approved electronic method, providing consent verbally where permitted, or using another method that clearly identifies your consent to receive text messages.

When you provide SMS consent, your consent applies to the messaging program described at the time of opt-in. We maintain records of SMS consent and communication preferences as necessary to administer our messaging program and comply with applicable requirements.

Message Frequency

Message frequency may vary depending on your communications with us, the services you request, and the messaging program to which you have subscribed.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier and service plan.

How to Stop Text Messages

You can opt out of SMS messages at any time by replying STOP to a text message from us. After you send STOP, you may receive a confirmation message indicating that you have been unsubscribed.

You may also contact us directly to request that your number be removed from our SMS messaging program.

Help

For assistance with text messaging, reply HELP to a message from us or contact us using the contact information provided on our website.

Rejoining

If you previously opted out of text messages and later want to receive them again, you may re-enroll through an available SMS opt-in method or contact us for assistance.

4. SMS Opt-In Information and No-Sharing Statement

Text messaging originator opt-in data and consent will not be sold, rented, or provided to third parties for their own marketing or promotional purposes.

Your decision to provide SMS consent does not authorize us to provide your mobile number, SMS consent, or opt-in information to another company for that company's independent marketing purposes.

We may use service providers that assist us with communications, customer relationship management, customer service, technology, and SMS delivery. Such providers may process information as necessary to provide services to us. These providers are not authorized to use your SMS opt-in information for their own independent marketing purposes.

5. Information Sharing

We may use service providers and contractors that help us operate our business and provide services to you. These providers may assist with functions such as:

• Customer relationship management
• Website hosting and maintenance
• Appointment scheduling
• Customer service
• Email communications
• SMS and telephone communications
• Data storage and security
• Analytics and website functionality

Information provided to these service providers is limited to what is reasonably necessary for them to perform services on our behalf.

We may also disclose information when reasonably necessary to:

• Comply with applicable laws, regulations, subpoenas, court orders, or legal processes
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our customers or others
• Investigate fraud, security incidents, or unauthorized activity
• Comply with regulatory or governmental requirements

SMS opt-in information and consent are excluded from any category of information that may otherwise be shared for marketing or promotional purposes.

We do not sell or rent your personal information for independent marketing purposes.

6. Cookies and Tracking Technologies

Our website may use cookies, pixels, tags, analytics tools, and similar technologies to improve website functionality and understand how visitors use our website.

These technologies may collect information such as:

• Pages visited
• Time spent on pages
• Browser and device information
• General geographic information
• Referring websites
• Website interactions

We may use this information to:

• Operate and improve our website
• Understand website traffic
• Measure advertising and marketing performance
• Improve our services
• Provide a more relevant website experience
• Detect and prevent security issues

Some third-party services used on our website may use cookies or similar technologies in accordance with their own privacy policies.

You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect website functionality.

7. Data Security

We take reasonable administrative, technical, and organizational measures to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

Security measures may include:

• Access controls
• Authentication procedures
• Secure communications
• Monitoring and logging
• Restricted access to personal information
• Security procedures for systems and service providers

No method of transmitting or storing information electronically can be guaranteed to be completely secure. Therefore, while we take reasonable measures to protect your information, we cannot guarantee absolute security.

8. Your Privacy Choices and Rights

Depending on applicable law, you may have certain rights regarding your personal information.

You may:

• Request information about personal information we maintain about you
• Request that inaccurate information be corrected
• Request that certain information be deleted, where permitted by law
• Update your contact information
• Change your communication preferences
• Opt out of marketing emails
• Opt out of marketing text messages
• Withdraw SMS consent at any time
• Request assistance with your communication preferences

To opt out of SMS messaging, reply STOP to the text message you receive from us.

Please note that opting out of marketing communications does not necessarily prevent us from sending service-related or legally required communications related to an existing mortgage inquiry, application, transaction, or other relationship with us.

9. Third-Party Websites and Services

Our website may contain links to websites or services operated by third parties. We are not responsible for the privacy practices, content, or security of websites that we do not operate.

We encourage you to review the privacy policies of third-party websites before providing them with personal information.

10. Children's Privacy

Our website and services are intended for adults and are not directed toward children under the age of 13. We do not knowingly collect personal information from children under 13 through our website.

If we become aware that we have inadvertently collected personal information from a child under 13, we will take reasonable steps to delete that information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, services, or applicable laws and regulations.

When we make changes, we will update the Effective Date at the beginning of this Privacy Policy. We encourage you to periodically review this page for the most current version.

12. Contact Us

If you have questions about this Privacy Policy, your personal information, or your communication preferences, please contact Lunar Mortgage Team using the contact information provided on our website.

Lunar Mortgage Team
Website: https://www.lunarmortgageteam.com/

Last Updated: August 12, 2026