Your Loan Options

Privacy Notice (Marketing)

Who we are. The Gale Team Marketing LLC (“we,” “us,” “our”) provides promotional and informational communications regarding mortgage-related products, services, and events, including through RingCentral’s messaging platform.

Information we collect

• Contact details: name, email address, mobile phone number.
• Marketing preferences & communications data: opt-in/opt-out status, delivery status, opens/clicks, replies.
• Website/device info when you follow our links: IP address, browser/OS, pages viewed, timestamp.

We collect information directly from you (forms, keyword opt-ins, events) and automatically when you interact with our messages and links.

How we use information

• Send and personalize informational, promotional, and event messages via SMS and email (with consent where required).
• Respond to inquiries, schedule consultations, deliver reminders, and run surveys.
• Operate, secure, and improve our messaging programs; meet legal, carrier, and industry requirements.

How we share information

• Affiliates & service providers: We share limited data with NOVA and trusted vendors (e.g., SMS for messaging, email platforms, analytics) under contracts requiring confidentiality and restricted use.
• No sale/sharing of SMS consent: We do not sell or share your mobile number or SMS consent with third parties for their marketing or promotional purposes.
• Legal/compliance: We may disclose information to comply with law or protect rights, privacy, safety, or property.

Your choices

• Text messages: Reply STOP to any message to opt out. Reply HELP for help.
• Email: Use the unsubscribe link in any email or contact us (below) to be removed from marketing lists.
• California privacy rights: See NOVA’s California disclosures for access, deletion, correction, and opt-out of sale/sharing instructions.

Security

We use reasonable administrative, technical, and physical safeguards (e.g., encrypted connections and access controls). No method of transmission or storage is 100% secure.

Children’s privacy

Our marketing is intended for adults (18+). We do not knowingly collect personal information from children under 13.

SMS Program Terms

• Program description & message types: By opting in, you agree to receive informational, promotional, event updates, reminders, and customer-support SMS/MMS from The Gale Team Marketing LLC.
• Consent: You will only receive SMS if you provide express consent (e.g., checking a consent box on a form or texting a keyword). Consent is not a condition of purchase.
• Frequency: Message frequency varies.
• Fees: Message & data rates may apply.
• Opt-out: Reply STOP to end messages; we will confirm your opt-out and cease further marketing texts to that number.
• Help: Reply HELP for assistance or contact us using the details below.
• Data handling (privacy): We do not sell or share your SMS consent or mobile number with third parties or affiliates for their own marketing. See our Privacy Notice above for details on data collection, use, and retention.
• Carrier disclaimer: Mobile carriers are not liable for delayed or undelivered messages.
• Eligibility: U.S. recipients, 18+.

Opt-in methods we may use

• Web forms: A separate, unchecked checkbox next to the phone field with compliant consent language and links to this page.
• Keyword opt-in: You text a designated keyword to our number to join a specific campaign.
• Verbal or written consent: When recorded and tied to this policy and program description.

We maintain records of consent and opt-out requests to satisfy carrier, TCR, and legal requirements.