Privacy Policy

Last Updated: August 20, 2026

Company: Loan Certifier (operated by Prestige VA Solutions)

1. Information We Collect

We collect information you provide during the loan application process, including:

• Full name, email address, and mobile phone number(s)
• Mailing address and property information
• Loan and financial details relevant to your application
• Communication preferences and history

2. How We Use Your Information

We use the information collected to:

• Process and service your mortgage loan application
• Send you SMS text message notifications about your loan status, document requests, appointment confirmations, and account updates
• Send occasional first-party mortgage educational and marketing messages from Loan Certifier to you
• Communicate with you regarding your loan file and required actions
• Comply with legal and regulatory requirements

3. SMS Text Messaging

Opt-In: By providing your mobile phone number during the loan application process and checking the consent box (which is unchecked by default, so active consent is required), you agree to receive SMS notifications from Loan Certifier and your assigned loan officer regarding your loan status, required documents, and appointment confirmations. Your consent is not a condition of any purchase and is not bundled with or obscured by any other agreement.

Message Frequency: Message frequency varies based on your loan activity. Transactional messages as needed (typically 1–5 per month per active loan); marketing/educational messages limited to 4 per month.

Opt-Out: You may opt out of SMS messages at any time by replying STOP (or STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT) to any message. You will receive a confirmation message. To resubscribe, reply START.

Help: Reply HELP (or INFO) at any time for assistance. Message and data rates may apply based on your mobile carrier plan.

4. Non-Sharing of Mobile Information and Messaging Consent

We do not share, sell, rent, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes. We do not engage in third-party marketing, affiliate marketing, or third-party lead generation using your mobile opt-in data.

Your mobile phone number and SMS opt-in consent are used exclusively to send you the loan-related, educational, and first-party marketing messages you agreed to receive from Loan Certifier and your assigned loan officer. We do not share mobile opt-in data with any third party or affiliate for their marketing or promotional purposes.

We may share your data only in the following limited ways, and never for third-party marketing:

• Lenders and credit providers involved in processing your loan, solely to service your application and not for marketing.
• Service providers that perform delivery on our behalf (for example, Twilio Inc. for SMS message delivery). These providers receive your mobile number solely to deliver the messages you requested and are contractually prohibited from using it for any marketing purpose.
• Regulatory bodies when required by law.

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Loan-related data is retained per federal and state regulatory requirements for the mortgage industry.

6. Data Security

We employ industry-standard security measures including encryption, access controls, and secure data storage to protect your personal information.

7. Your Rights

You have the right to access, correct, or delete your personal information. To exercise these rights, contact us using the information below.

8. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:

Email: support@loancertifier.com
Website: https://app.loancertifier.com

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on this page.