Effective Date: April 4th, 2025
At Wilgus Financial, LLC (“we,” “our,” or “us”), we are committed to protecting your privacy and ensuring a safe online experience. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://wilgusfinancial.com use our services.
By using our website or services, you consent to the practices outlined in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our website or services.
1. Information We Collect
We collect personal and non-personal information when you interact with our website or services. The types of information we may collect include:
Personal Information: This may include your name, email address, phone number, mailing address, Social Security number, financial information, and any other information you provide to us directly when applying for mortgage services.
Non-Personal Information: This includes data such as your IP address, browser type, operating system, pages viewed, and other non-identifiable technical information collected through cookies or similar technologies.
2. How We Use Your Information
We use the information we collect for the following purposes:
To process your mortgage applications and provide related services.
To respond to your inquiries, provide customer support, and communicate with you.
To send you marketing and promotional materials, if you have opted in to receive such communications.
To improve our website, services, and customer experience.
To comply with legal requirements and regulations.
3. Cookies and Tracking Technologies
We use cookies and other tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device that allow us to remember your preferences and activities.
You can control the use of cookies through your browser settings. However, please note that disabling cookies may affect your ability to use certain features of our website.
4. Sharing Your Information
We may share your personal information in the following circumstances:
Service Providers: We may share your information with trusted third-party service providers who help us process your mortgage applications, perform marketing services, or enhance our website.
Legal Requirements: We may disclose your information when required to do so by law, regulation, legal process, or governmental request.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
5. Data Security
We take reasonable precautions to protect your personal information from unauthorized access, alteration, or destruction. However, no method of data transmission or storage is 100% secure, and we cannot guarantee absolute security.
6. Your Rights and Choices
Access and Update Your Information: You have the right to access, correct, or update your personal information. To do so, please contact us at [insert contact email/phone number].
Opt-Out of Marketing Communications: If you no longer wish to receive marketing emails from us, you can opt out by following the unsubscribe link in any promotional email or by contacting us directly.
Do Not Track Signals: Our website does not currently respond to Do Not Track (DNT) signals.
7. Children’s Privacy
Our website and services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated Privacy Policy on our website with a new effective date. Please review this Privacy Policy periodically for any changes.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Wilgus Financial, LLC
1203 Pemberton Drive
Salisbury, MD 21801
Phone: 410-742-8240
Email: hannah@pasmortgage.com
These Terms and Conditions ("Agreement") govern the use of text messaging services ("Text Services") provided by Wilgus Financial, LLC ("we," "our," or "us") having a principal place of business at 1203 Pemberton Drive Salisbury, MD 21801. By opting in or using our Text Services, you ("you" or "client") agree to the terms outlined below. If you do not agree with these terms, please do not opt in to or use our Text Services.
ALL MESSAGES SENT TO, RECEIVED BY AND SENT BY THE TEXT NUMBER WILL BE MONITORED AND ARCHIVED BY WILGUS FINANCIAL, LLC.
By using the Service, you represent and warrant that you:
A) Are 18 years of age or older;
B) Will comply with all applicable laws, rules and regulations.
1. Consent to Receive Text Messages
By providing your phone number and opting in to our services, you consent to receive text messages from Wilgus Financial, LLC, including but not limited to:
Transactional or informational messages related to your mortgage account status, updates, or payment reminders.
Marketing messages and promotions, if you have opted in to receive such communications.
You acknowledge that these messages may be sent via an automatic telephone dialing system ("autodialer") and may include text, links, and multimedia content.
2. Opt-In and Opt-Out
Opt-In: By providing your phone number to us through our website, mobile app, or other methods, you are opting in to receive text messages from Wilgus Financial, LLC.
Opt-Out: You may opt out of receiving text messages from us at any time by replying "STOP" to any text message you receive. After opting out, you will no longer receive promotional or informational text messages, although you may still receive essential messages related to your account or application, such as payment reminders or legal notices.
3. Message Frequency
The frequency of the text messages you receive from Wilgus Financial, LLC may vary. The number of messages you receive depends on the services you have requested, including reminders, updates, and marketing communications.
4. Standard Message and Data Rates
Standard message and data rates may apply to any text messages you send or receive from Wilgus Financial, LLC, depending on your mobile carrier and plan. You are responsible for any charges or fees that may be incurred in connection with receiving or sending text messages.
5. Data Usage
By consenting to receive text messages, you agree that Wilgus Financial, LLC may collect and use data related to your phone number, message history, and other interaction data for the purpose of providing the Text Services, improving our services, and complying with legal obligations.
6. Privacy
Your privacy is important to us. Our use of your personal information is governed by our Privacy Policy, which is available on our website https://wilgusfinancial.com By agreeing to these Terms and Conditions, you also acknowledge and consent to the practices described in our Privacy Policy.
7. Message Content
Text messages sent to you may contain important information regarding your mortgage, updates on your loan status, offers for related products, and promotional material. Wilgus Financial, LLC is not responsible for any delays or failures in text message delivery.
8. No Guarantee of Delivery or Accuracy
While we strive to ensure the delivery of text messages, Wilgus Financial, LLC does not guarantee that all messages will be delivered or that the information contained within them will be accurate, complete, or up-to-date. We are not responsible for any errors, delays, or failure to receive text messages due to technical issues beyond our control, including issues related to your carrier, phone, or network.
9. Eligibility
By opting in to receive text messages, you confirm that you are at least 18 years old and that you are the owner or authorized user of the phone number provided. You also confirm that your phone number is capable of receiving text messages.
10. Changes to Terms and Conditions
PAS Mortgage, Inc. reserves the right to update or modify these Terms and Conditions at any time. We will provide notice of changes by posting the updated terms on our website or through other appropriate channels. Your continued use of the Text Services after such changes constitutes your acceptance of the revised Terms and Conditions.
11. Limitation of Liability
Wilgus Financial, LLC is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Text Services, including but not limited to any errors, delays, failures, or omissions in text message delivery. You agree to use the Text Services at your own risk.
12. Indemnification
You agree to indemnify and hold Wilgus Financial, LLC its affiliates, employees, agents, and service providers harmless from any claims, damages, or liabilities arising from your use of the Text Services, your violation of these Terms and Conditions, or any applicable laws.
13. Participating Carriers Disclosure:
AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clearsky
14. Contact Information
If you have any questions or concerns about these Terms and Conditions, please contact us at:
Wilgus Financial, LLC
1203 Pemberton Drive
Salisbury, MD 21801
Phone: 410-742-8240
Email: hannah@pasmortgage.com
1203 Pemberton Drive, Salisbury, Maryland 21801, United States
410-742-8240 ext. 7002 & 7017
Open today | 08:30 am – 05:30 pm |
