PRIVACY POLICY AND SMS TERMS

Effective Date: September 16, 2026

TOTALLY FREE LLC respects your privacy. We collect information that you voluntarily provide, including your name, telephone number, email address, mailing address, and information related to your mortgage inquiry.

We use this information to answer questions, provide requested mortgage and loan information, provide customer support, schedule or confirm appointments, and follow up on active inquiries.

CUSTOMER DATA AND MOBILE INFORMATION

Customer data is not sold, rented, or shared with third parties for promotional or marketing purposes.

Mobile opt-in information and consent are never shared with anyone for any purpose. Any information-sharing provisions described in this policy exclude mobile opt-in data and consent.

We may share information with service providers that assist us in operating our business, when necessary to provide requested services, or when required by law. We take reasonable measures to protect personal information.

SMS MESSAGING TERMS AND CONDITIONS

TOTALLY FREE LLC sends informational text messages to answer mortgage questions, provide requested loan information and customer support, schedule or confirm appointments, and follow up on active inquiries.

Contacts provide verbal permission over the telephone or in person before receiving text messages. Consent to receive text messages is not a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply.

Reply STOP to opt out of SMS messages. After you send STOP, you may receive one final message confirming that you have been unsubscribed.

Reply HELP for assistance or contact us at ladder@tfaloans.com.

Carriers are not liable for delayed or undelivered messages.

CONTACT US

TOTALLY FREE LLC

Company NMLS: 2763053

Danny Paul Dockins - Individual NMLS: 2347110

Website: tfaloans.com

Email: ladder@tfaloans.com

If you have questions about this Privacy Policy or SMS messages. contact TOTALLY FREE LLC at 713-913-1214, ladder@tfaloans.com, or PO Box 60344, Houston, TX 77205.

Consumer data will not be transferred to any external organization under any circumstances, even with consumer consent, except where strictly required by law.