Privacy Policy — Loan Certifier Last Updated: August 6, 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 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; 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 phone number during the loan application process and checking the consent box, you explicitly agree to receive SMS notifications from Loan Certifier and its affiliated loan officers regarding your loan status, required documents, and appointment confirmations. Message Frequency: Message frequency varies based on your loan activity. Typically 2-10 messages per month during active loan processing. Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message. You will receive a confirmation message. To resubscribe, reply START . Help: Reply HELP at any time for assistance. Message and data rates may apply based on your mobile carrier plan. 4. Data Sharing & Non-Sharing of Mobile Data We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes. We do not sell your personal information. We may share your data only as follows 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 messages you requested and are contractually prohibited from using it for any marketing purpose; Regulatory bodies when required by law. Your mobile phone number and SMS opt-in consent are used exclusively to send you the loan-related and educational messages you agreed to receive from Loan Certifier and its affiliated loan officers. 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 Email: support@loancertifier.com | Website: https://app.loancertifier.com Terms of Service — Loan Certifier Last Updated: August 6, 2026 Company: Loan Certifier (operated by Prestige VA Solutions) 1. Acceptance of Terms By accessing and using the Loan Certifier platform and SMS messaging services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. 2. SMS Messaging Terms As part of our loan servicing, we send SMS text messages to your mobile phone. By providing your phone number and consenting, you agree to the following: You will receive loan-related notifications including status updates, document requests, appointment confirmations, and account communications. Message frequency varies based on loan activity (typically 2-10 messages per month during active processing). Standard message and data rates charged by your mobile carrier may apply. Messages are sent from a U.S.-based phone number registered under the A2P 10DLC framework. 3. Direct Opt-In and Consent You opt in to SMS messaging by providing your phone number directly to Loan Certifier (or its affiliated loan officers) during the loan application process and explicitly agreeing to receive the notifications described here. Your consent is given directly to Loan Certifier for the messages described in this campaign, is not a condition of any purchase, and is not bundled with or obscured in any other agreement. We do not share, sell, 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 affiliate marketing or third-party lead generation with your mobile opt-in data. 4. Opt-Out Instructions You may cancel SMS messaging at any time: Reply STOP to any message to unsubscribe from all SMS communications. Reply HELP for assistance or support. Reply START to resubscribe after opting out. 5. Carriers and Delivery We use Twilio Inc. as our SMS service provider. Messages are delivered through major U.S. wireless carriers. We are not responsible for delays or failures caused by your mobile carrier, signal issues, or carrier-level filtering. 6. Use of Services You agree to use our services only for lawful purposes. You may not use our SMS services to send unsolicited messages, spam, or content that violates applicable laws. 7. Disclaimer of Warranties Our services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted or error-free service. SMS delivery is subject to carrier limitations and is not guaranteed. 8. Limitation of Liability Loan Certifier shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services, including SMS messaging. Our total liability shall not exceed the amount you have paid for our services in the preceding 12 months. 9. Contact Us Email: support@loancertifier.com | Website: https://app.loancertifier.com

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