Privacy Policy

Effective Date: July 19, 2026

Modernstatemortgage.com is operated by Modern State Mortgage. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. Please read this Privacy Policy carefully. If you do not agree with its terms, please do not access the site. By using our website, you agree to this Privacy Policy. We may update it periodically, and it's your responsibility to review it for changes.

1. Information We Collect

When you visit our website, we may collect personal information you voluntarily provide, such as your name, email address, phone number, and any other details you submit through our forms. We do not collect or store sensitive information such as Social Security numbers, employment details, or bank account numbers through this website. We may also collect non-personal data such as IP address, browser type, device information, and how you interact with our site.

2. Use of Your Information

We use the information we collect to respond to your inquiries, send you information about mortgage products and services that may interest you, and improve our website and user experience. You can opt out of communications at any time — see "Your Rights and Choices" below.

3. Sharing of Information

We do not sell, rent, or share your personal information with third parties for their own marketing purposes. We do not share SMS opt-in data or consent with any third party. We may share information only: with your consent, to comply with legal obligations (such as a court order or subpoena), or with trusted service providers who help us operate our business and are bound by confidentiality obligations.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to understand how visitors use our site and to improve the experience over time. You can control cookie preferences through your browser settings; disabling cookies may limit some site features.

5. Security of Your Information

We use reasonable security measures to protect the personal information you share with us. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

6. SMS Communications

By opting in to receive SMS messages from Modern State Mortgage, you agree to the following:

  • Message Frequency: Message frequency may vary.

  • Message and Data Rates: Standard message and data rates may apply.

  • Opt-Out: Text STOP to unsubscribe at any time.

  • Assistance: Text HELP or call [phone placeholder] for help.

  • Your SMS opt-in data and consent will not be shared with any third parties.

7. Your Rights and Choices

Opt-Out of Communications: You may unsubscribe from emails via the link in any email, or reply STOP to any text. You may also contact us at [email placeholder] to request removal from our mailing list.
Access and Correction: You may request access to, correction of, or deletion of your personal information by contacting us at [email placeholder].
Cookies Management: You may disable cookies through your browser settings.

8. Children's Privacy

Our website is not intended for children under 18, and we do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal data, we will take steps to delete it promptly.

9. Third-Party Websites

Our website may link to third-party sites we do not operate. We are not responsible for their privacy practices and recommend reviewing their policies before sharing information.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date. Continued use of the website after changes constitutes acceptance of the revised policy.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your information, contact us at hello@modernstatemortgage.com.